A NEW ERA
OF
OPPORTUNITY
Low rates, long terms, no upfront fees
INTRODUCING THE
DBJ ORBIT LOAN
A SPECIAL LOAN OFFER FOR
MANUFACTURING | HEALTH | AGRICULTURE | CREATIVE INDUSTRIES
ACCESS UP TO $30 MILLION
BUY EQUIPMENT | EXPAND PRODUCTION | INCREASE EXPORT
Let's Get Started
Get in touch with your Business Banker and ask for DBJ’s ORBIT Loan
Confirm your eligibility first to know if the ORBIT Loan is right for you.
Choose from DBJ’s network of approved financial institutions.
What You Need To Know
What is ORBIT?
ORBIT is a J$2 billion financing programme from the Development Bank of Jamaica (DBJ) that empowers Jamaican micro, small, and medium-sized enterprises (MSMEs) to scale, innovate, and build resilience. It combines affordable capital, technical assistance, and ecosystem support to help businesses grow sustainably.
How much financing can my business access?
- Up to J$30 million per MSME for equipment financing and other productivity support.
- 90% financing on the total project cost.
- Credit guarantee available to cover up to 90% of the loan.
What are the loan terms?
- Interest Rate: 8% fixed for five years
- Tenure: Up to 10 years
- Moratorium: Up to 12 months (on principal only)
- Repayment Options: Monthly
Which sectors does ORBIT support?
ORBIT targets high-impact industries that can drive Jamaica’s growth:
- Agriculture & Agro-processing (e.g. crops, livestock, processing, greenhouses etc.)
- Manufacturing (e.g. value-added processing, equipment upgrades, energy efficiency etc.)
- Health & Wellness (e.g. dentistry, diagnostics, mobile clinics, geriatric care, cancer care etc.)
- Creative Industries (e.g. film, theatre, animation, performing arts, studios etc.)
What makes ORBIT different from other loan programmes?
- Affordable Financing at lower-than-market rates
- Loan Fee Financing – Upfront costs rolled up into loan (Optional).
- Credit Enhancement Facility – reduces risk for both MSMEs and lenders
- Blended Financing – flexible structures tailored to business needs
- Technical Assistance Grant – Energy Audit Grant (energy efficiency investments)
Who can apply?
- Jamaican MSMEs across the targeted sectors (Manufacturing, Agro-processing, Health, Creative Industries).
- Businesses seeking financing for equipment, retrofitting, digitisation, energy efficiency, storage, finishing funds, or market expansion.
How do I apply?
- Visit one of the participating partners in DBJ’s Approved Financial Institutions (AFIs).
- Meet DBJ’s general eligibility criteria plus ORBIT product requirements.
- Leverage available grants and technical assistance to strengthen your application.
How will my business benefit from ORBIT?
- Access to affordable, long-term financing to scale and modernise operations.
- Reduced risk through credit guarantee and blended financing.
- Technical support to build stronger financial management and improve energy efficiency.
- Increased opportunities to access local and international markets.
How will my business benefit from ORBIT?
By enabling MSMEs to scale, ORBIT promotes:
- Job creation across priority industries
- Export growth and increased competitiveness
- Resilient, innovative enterprises that drive national economic transformation
What People Are Saying About Us
"At Cabra Ranch, we’ve always believed in the potential of goat farming. With DBJ’s backing, we’ve expanded from Ranch to fridge, producing quality local Goat dairy and Goat dairy Valu-added products while creating rural jobs and inspiring the next generation of agri-preneurs."
Trudy Wilson.
cabra ranch
