SMEDA SMEDA Pakistan
·
Government of Pakistan
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SBP State Bank of Pakistan
Official Government Portal

Find the Right
Bank Financing
for Your Business

Pakistan's only government-verified tool that instantly matches your business with bank loan products — with full rates, eligibility, and direct contact details.

16+ Partner Banks
97+ Financing Products
500M Max Loan (PKR)
8+ SBP Schemes
Find My Financing Match
Select your sector and filters — results appear instantly
✕ Clear all filters
Simple 3-Step Process

How to Get SME Financing

This portal does the research for you. Apply directly — no registration, no middlemen, no fees.

01
30-Sec Match

Filter & Discover

Pick your business sector, what you need financing for (working capital, machinery, startup), and your loan amount range. See every matching product instantly with rates and limits visible.

02
Side-by-Side Compare

Review & Compare

Click "Details" on any card to view eligibility criteria, document checklist, markup rates, tenure options, and collateral requirements — or select multiple cards to compare side-by-side.

03
Direct Loan Officer

Contact the Bank

Call or email the SME financing officer whose name and phone number appear directly inside the product contact tab. Walk into the bank branch fully prepared with your documents.

Smart Decision Tools

Calculate Repayments & Check Eligibility

Empowering Pakistani SMEs with instant financial calculators and AI-assisted qualification matching.

Interactive Calculator

SME EMI Monthly Calculator

Estimate monthly installments for working capital, machinery, or business expansion loans before applying.

Sample Loan Amount: PKR 5,000,000
Tenure & Rate: 3 Years @ 12.5%
Est. Monthly Installment: PKR 167,268 / mo
Instant Match Quiz

Am I Eligible for SME Financing?

Answer 3 quick questions about your business structure, operating history, and turnover to view matching schemes.

1 Select Business Entity Type
2 Years in Business Operation
3 Required Financing Size

Matching Products

62 products
Services
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Al Baraka Bank Ltd.
Al Baraka Bank Ltd. Agriculture

Alfalah Green Energy (AGE)

Loan Amount
Up to PKR 400M
Markup Rate
Contact bank
Agriculture, Manufacturing, Services, Trading Purchase of Machinery and Equipment
Loan Amount
Up to PKR 400M
PKR
Markup Rate
Contact bank
Per annum
Tenure
5 Years (max)
Max period
Eligibility Criteria
  • Consumer/ SMEs/ Corporate
Documents Required
  • Attested copy of the CNIC(s) of proprietor/ partner/director (as applicable)
  • One recent passport-size photograph of proprietor/partner/director (as applicable)
  • Copy of any latest paid utility bill received at the residential address
  • Copy of rent deed/lease deed, where property is rented
  • Undertaking that the customer is not the director, major shareholder holding 5% or more of the share capital of the Bank, its chief executive or an employee or any family member of above interested persons
  • Copy of net worth statement (if available)
  • Copy of any latest paid utility bill received at business address
  • Copy of rent deed/lease deed, where property is rented
  • Copy of current professional association/ trade body membership (if available)
  • Company profile (history/future plan)
  • Project information/product list
  • Financial statements of last year at least and preferably for the last three years
  • Online tax verisys
  • National Tax Number certificate
  • Partnership deed, Copy of certificate of registration of partnership (only required for partnership concerns)
  • Partnership mandate
  • Memorandum & Articles of Association and Certificate of Incorporation (only required for limited companies)
  • Latest form 29 certified by SECP (only required for limited companies)
  • Latest form A (only required for limited companies if applicable)
  • Board resolution authorising borrowing (only required for limited companies)
  • ISO Certification(s)
Collateral
  • Hypothecation Charge on Solar System/ Mortgage of Property
SME Finance Officer — Al Baraka Bank Ltd.
Mr. Shahid Malik, Head Products SME & Commercial
Lahore
Al Baraka Bank Ltd.
Al Baraka Bank Ltd. Manufacturing

Alfalah Karobar Finance (AKF)

Loan Amount
PKR 500K - 200M
Markup Rate
Contact bank
Manufacturing, Services, Trading Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 500K - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
1 Year (Renewable)
Max period
Eligibility Criteria
  • SMEs
Documents Required
  • Attested copy of the CNIC(s) of proprietor/ partner/director (as applicable)
  • One recent passport-size photograph of proprietor/partner/director (as applicable)
  • Copy of any latest paid utility bill received at the residential address
  • Copy of rent deed/lease deed, where property is rented
  • Undertaking that the customer is not the director, major shareholder holding 5% or more of the share capital of the Bank, its chief executive or an employee or any family member of above interested persons
  • Copy of net worth statement (if available)
  • Copy of any latest paid utility bill received at business address
  • Copy of rent deed/lease deed, where property is rented
  • Copy of current professional association/ trade body membership (if available)
  • Company profile (history/future plan)
  • Project information/product list
  • Financial statements of last year at least and preferably for the last three years
  • Online tax verisys
  • National Tax Number certificate
  • Partnership deed, Copy of certificate of registration of partnership (only required for partnership concerns)
  • Partnership mandate
  • Memorandum & Articles of Association and Certificate of Incorporation (only required for limited companies)
  • Latest form 29 certified by SECP (only required for limited companies)
  • Latest form A (only required for limited companies if applicable)
  • Board resolution authorising borrowing (only required for limited companies)
  • ISO Certification(s)
Collateral
  • Mortgage of residential/ commercial property
SME Finance Officer — Al Baraka Bank Ltd.
Mr. Shahid Malik, Head Products SME & Commercial
Lahore
Al Baraka Bank Ltd.
Al Baraka Bank Ltd. Manufacturing

Alfalah Milkiat Finance (AMF)

Loan Amount
PKR 500K - 200M
Markup Rate
Contact bank
Manufacturing, Services, Trading Purchase / Construction / Renovation of Building
Loan Amount
PKR 500K - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
2 to 15 Years
Max period
Eligibility Criteria
  • SMEs
Documents Required
  • Attested copy of the CNIC(s) of proprietor/ partner/director (as applicable)
  • One recent passport-size photograph of proprietor/partner/director (as applicable)
  • Copy of any latest paid utility bill received at the residential address
  • Copy of rent deed/lease deed, where property is rented
  • Undertaking that the customer is not the director, major shareholder holding 5% or more of the share capital of the Bank, its chief executive or an employee or any family member of above interested persons
  • Copy of net worth statement (if available)
  • Copy of any latest paid utility bill received at business address
  • Copy of rent deed/lease deed, where property is rented
  • Copy of current professional association/ trade body membership (if available)
  • Company profile (history/future plan)
  • Project information/product list
  • Financial statements of last year at least and preferably for the last three years
  • Online tax verisys
  • National Tax Number certificate
  • Partnership deed, Copy of certificate of registration of partnership (only required for partnership concerns)
  • Partnership mandate
  • Memorandum & Articles of Association and Certificate of Incorporation (only required for limited companies)
  • Latest form 29 certified by SECP (only required for limited companies)
  • Latest form A (only required for limited companies if applicable)
  • Board resolution authorising borrowing (only required for limited companies)
  • ISO Certification(s)
Collateral
  • Mortgage of commercial property
SME Finance Officer — Al Baraka Bank Ltd.
Mr. Shahid Malik, Head Products SME & Commercial
Lahore
Al Baraka Bank Ltd.
Al Baraka Bank Ltd. Agriculture

Alfalah Quick Finance

Loan Amount
PKR 50K - 300M
Markup Rate
Contact bank
Agriculture, Manufacturing, Services, Trading Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 50K - 300M
PKR
Markup Rate
Contact bank
Per annum
Tenure
1 Year (Renewable)
Max period
Eligibility Criteria
  • SMEs/ Corporate
Documents Required
  • Attested copy of the CNIC(s) of proprietor/ partner/director (as applicable)
  • One recent passport-size photograph of proprietor/partner/director (as applicable)
  • Copy of any latest paid utility bill received at the residential address Copy of rent deed/lease deed, where property is rented Undertaking that the customer is not the director, major shareholder holding 5% or more of the share capital of the Bank, its chief executive or an employee or any family member of above interested persons Copy of net worth statement (if available) Copy of any latest paid utility bill received at business address Copy of rent deed/lease deed, where property is rented Copy of current professional association/ trade body membership (if available) Company profile (history/future plan) Project information/product list Financial statements of last year at least and preferably for the last three years Online tax verisys National Tax Number certificate Partnership deed, Copy of certificate of registration of partnership (only required for partnership concerns) Partnership mandate Memorandum & Articles of Association and Certificate of Incorporation (only required for limited companies) Latest form 29 certified by SECP (only required for limited companies) Latest form A (only required for limited companies if applicable) Board resolution authorising borrowing (only required for limited companies) ISO Certification(s)
  • Copy of rent deed/lease deed, where property is rented
  • Undertaking that the customer is not the director, major shareholder holding 5% or more of the share capital of the Bank, its chief executive or an employee or any family member of above interested persons
  • Copy of net worth statement (if available)
  • Copy of any latest paid utility bill received at business address
  • Copy of rent deed/lease deed, where property is rented
  • Copy of current professional association/ trade body membership (if available)
  • Company profile (history/future plan)
  • Project information/product list
  • Financial statements of last year at least and preferably for the last three years
  • Online tax verisys
  • National Tax Number certificate
  • Partnership deed, Copy of certificate of registration of partnership (only required for partnership concerns)
  • Partnership mandate
  • Memorandum & Articles of Association and Certificate of Incorporation (only required for limited companies)
  • Latest form 29 certified by SECP (only required for limited companies)
  • Latest form A (only required for limited companies if applicable)
  • Board resolution authorising borrowing (only required for limited companies)
  • ISO Certification(s)
Collateral
  • DSC
  • SSC (Registered)
  • RIC
  • Deposits of BAFL
SME Finance Officer — Al Baraka Bank Ltd.
Mr. Shahid Malik, Head Products SME & Commercial
Lahore
Habib Bank Limited (HBL)
Habib Bank Limited (HBL) Services

Allied Business Finance

Loan Amount
PKR 100K - 15M
Markup Rate
Contact bank
Services, Manufacturing, Agriculture, Trading Purchase of Raw Material, Purchase of Agricultural Inpu…
Loan Amount
PKR 100K - 15M
PKR
Markup Rate
Contact bank
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • SME's engaged in various business activities i.e. a trader, service provider or manufacture.
Documents Required
  • In accordance to bank's credit policy guidelines as well as regulatory requirements for each facility.
Collateral
  • Secured by acceptable Residential / Commercial / Industrial real estate.
SME Finance Officer — Habib Bank Limited (HBL)
Mr. Tahir Hussain Bukhtiaree, Divisional Head-Asset
Lahore
Habib Bank Limited (HBL)
Habib Bank Limited (HBL) Services

Allied Fast Finance

Loan Amount
PKR 500K - 200M
Markup Rate
Contact bank
Services, Trading Purchase of Raw Material, Payment of Labour & other exp…
Loan Amount
PKR 500K - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • SME's engaged in various business activities including Self-employed business persons/professionals Individuals, joint account holders, Association of Persons (AOPs), Partnership Firms, Limited Co / Society / Trust etc.
Documents Required
  • In accordance to bank's credit policy guidelines as well as regulatory requirements for each facility.
Collateral
  • Lieu on PKR/FC Deposits, Term Deposits, Bank Guarantees, Allied Asset Management Company Funds, and Government Securities excluding National Prize Bonds and Long Term Government Bonds.
SME Finance Officer — Habib Bank Limited (HBL)
Mr. Tahir Hussain Bukhtiaree, Divisional Head-Asset
Lahore
Meezan Bank Limited (MBL)
Meezan Bank Limited (MBL) Manufacturing

Business Working Capital

Loan Amount
PKR 100K - 200M
Markup Rate
Contact bank
Manufacturing, Services, Trading Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 100K - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • Caters to Sole Proprietors, Partnerships, Pvt. Limited Companies
Documents Required
  • Financing request/application
  • Constitutional Documents
  • 1 year Bank Statement
  • Bank Maintenance Letter
  • Audited Financial Statements
Collateral
  • Cash, Special Savings Certificate, Defense Savings Certificates, Standby Letter of Credit
SME Finance Officer — Meezan Bank Limited (MBL)
Dinshaw Amra, Head Business Banking, Segment & Products
Karachi
State Bank of Pakistan

Government Subsidized Schemes

Below-market financing backed by SBP — apply through any partner bank listed above.

SBP Official Circulars ↗
SBP Subsidized Scheme

Credit Guarantee Scheme for Small and Rural Enterprises

Loan Size Maximum Rs. 5.0 (five) million for a single borrower – for both working capital and medium term capitalMaximum Rs. 0.5 million for a farmer
Markup Rate Maximum of KIBOR (3 Months) + 300bps.
Tenure Up to 3 years
SBP Subsidized Scheme

Refinance Scheme for Revitalization of Small and Medium Enterprises (SMEs) in Khyber Pakhtunkhwa, Gilgit-Baltistan (GB) and FATA

Loan Size Per SBP policy
Markup Rate Linked with Weighted Average Yields of relevant 6-Month Treasury bills and Pakistan Investment Bonds Financing Period Financing RateUp to 1 year (short term) 8.50%Over 1 year & up to 3 years 9.20%Over 1 year & up to 5 years 9.70%Over 5 year & up to 7 years 10.25%
Tenure Short Term Facility: Up to 1 yearLong Term Facility: Up to 7 years
SBP Subsidized Scheme

Refinancing Scheme for Modernization of SMEs

Loan Size Per SBP policy
Markup Rate Period of financing End user rateUp to 3 years 8%Over 3 years & up to 5 years 9%Over 5 years & up to 10 years 10%
Tenure Up to10 years
SBP Subsidized Scheme

Financing Facility for Storage of Agricultural Produce (FFSAP)

Loan Size Maximum Rs. 500 million for a single project
Markup Rate Period of financing End user rateUp to 3 years 8%Over 3 years & up to 5 years9%Over 5 years & up to 7 years10%
Tenure Up to 7 years
SBP Subsidized Scheme

Long-Term Financing Facility (LTFF) for Plant & Machinery

Loan Size Maximum Rs. 1,000 million for a single export oriented project
Markup Rate Period of Financing End User Rate Up to 3 years 10.30%Over 3 years & up to 5 years10.40%Over 5 years & up to 10 years10.50%
Tenure Up to 10 years
SBP Subsidized Scheme

Long-Term Financing Facility (LTFF) for Plant and Machinery: Second hand Machinery

Loan Size Maximum Rs. 1,000 million for a single export oriented project
Markup Rate Period of Financing End User Rate Up to 3 years 10.30%Over 3 years & up to 5 years10.40%Over 5 years & up to 10 years10.50%
Tenure Up to 10 years
SBP Subsidized Scheme

Islamic Export Re-finance Scheme

Loan Size Per SBP policy
Markup Rate The refinance rate is not fixed under IERS, as this will be against Shariah. However, in order to provide a level playing field to the exporters, the Islamic Banks have to ensure that at the time of entering into an agreement the profit charged by them from the exporters should not exceed the rates prescribed by the SBP under the conventional EFS.
Tenure Direct Export (DE) – Maximum period of 180 daysIndirect Export (IDE) – 120 days
SBP Subsidized Scheme

Export Finance Scheme

Loan Size Per SBP policy
Markup Rate Rate of refinance under the Export Finance Scheme shall be 8.5% p.a. The commercial banks shall ensure that their maximum margin / spread does not exceed 1% p.a.
Tenure „X180 days for direct exporters„X120 days for indirect exporters„X270 days (both pre/post shipment) for exporters of carpets & rugs, specially hand knotted and ¡§man made¡¨.
Strategic Partnerships

MoUs & Collaborations

Our strategic alliances with top financial institutions to empower Pakistan's SMEs.

About the Portal

A Comprehensive Platform for SME Financing in Pakistan

The SME Financing Products platform is designed to help small and medium-sized enterprises (SMEs) in Pakistan access detailed information about SME-specific loan products and financial services offered by various banks. We bridge the gap between financial institutions and business owners by providing a transparent, easy-to-use directory of available schemes.

100% Free No Agent or Middleman Fees
SBP Sync Direct SBP Policy Guidelines
Direct Contact Bank SME Officer Phone & Email
500M+ Max Single Loan Ceiling

Government Backed

Integrated with State Bank of Pakistan (SBP), SMEDA, National Bank of Pakistan, and Prime Minister's Youth Initiatives.

Direct Bank Access

Direct contact details for bank SME loan officers without middleman agents, hidden charges, or processing fees.

Transparent Comparison

Side-by-side comparison of loan amounts, interest rates, tenure, document checklists, and collateral requirements.

Empowering Growth

Helping thousands of SMEs across Pakistan make informed, confident financial decisions to expand their business.

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