SMEDA SMEDA Pakistan
·
Government of Pakistan
·
SBP State Bank of Pakistan
API Docs ↗ · Admin Portal · +92-42-111-111-456 · helpdesk@smeda.org
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.

Browse All Products Gov. Subsidized Rates →
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.

Select Sector & Amount
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.

Check Terms & Documents
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.

Direct Bank Contact
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

9 products
MCB Islamic Bank Limi…
Clear
MCB Islamic Bank Limited
MCB Islamic Bank Limited Manufacturing

Cash Finance

Loan Amount
PKR 10M - 200M
Markup Rate
Contact bank
Manufacturing, Trading Payment to Suppliers, Purchase of Raw Material
Loan Amount
PKR 10M - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
1
Max period
Eligibility Criteria
  • Qualify SBP PRs on SME.
  • Clean Credit History (no default in ECB)
  • Maintain A/c with BOK with clear KYC/AML.
Documents Required
  • Loan Application
  • Financial Statements
  • Bank Statement
  • Utility Bill Copy
  • CNIC Copy
Collateral
  • Title Deed of property.
  • NOC & NEC of property from concerned authority.
  • Pre-mortgage legal opinion.
  • Value of property.
SME Finance Officer — MCB Islamic Bank Limited
Asif Naseem, Head Retail Banking
091-5284246
asif.naseem@bok.com.pk
Peshawar
Full Product Details
MCB Islamic Bank Limited
MCB Islamic Bank Limited Manufacturing

Demand Finance

Loan Amount
PKR 5M - 200M
Markup Rate
Contact bank
Manufacturing, Services, Trading Purchase / Construction / Renovation of Building, Purch…
Loan Amount
PKR 5M - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
1-7 years
Max period
Eligibility Criteria
  • Qualify SBP PRs on SME.
  • Clean Credit History (no default in ECIB)
  • Maintain A/c with BOK with clear KYC /AML
Documents Required
  • Loan Application
  • Financial Statements
  • Bank Statement
  • Utility bill copy.
  • CNIC copy.
  • Quotation for purchase of machinery.
Collateral
  • Title Deed of property.
  • NOC & NEC of property from concerned authority.
  • Pre-mortgage legal opinion.
  • Valuation of property.
SME Finance Officer — MCB Islamic Bank Limited
Asif Naseem, Head Retail Banking
091-5284246
asif.naseem@bok.com.pk
Peshawar
Full Product Details
MCB Islamic Bank Limited
MCB Islamic Bank Limited Manufacturing

Export Refinance (I & II)

Loan Amount
PKR 1M - 200M
Markup Rate
Contact bank
Manufacturing, Trading Payment to Suppliers, Purchase of Raw Material
Loan Amount
PKR 1M - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • Qualify SBP PRs on SME.
  • Clean Credit History (no default on ECIB)
  • Maintain A/c with BOK with clear KYC /AML
  • Valid NTN
  • Member of any Chamber / Trade/business body.
Documents Required
  • Loan Application
  • Financial Statemennts
  • Bank Statement
  • Utility bill copy.
  • CNIC copy.
  • Export order /EE statement.
Collateral
  • Title Deed of property.
  • NOC & NEC of property from concerned authority.
  • Pre-mortgage legal opinion.
  • Valuation of property.
SME Finance Officer — MCB Islamic Bank Limited
Asif Naseem, Head Retail Banking
091-5284246
asif.naseem@bok.com.pk
Peshawar
Full Product Details
MCB Islamic Bank Limited
MCB Islamic Bank Limited Manufacturing

FATR

Loan Amount
PKR 5M - 50M
Markup Rate
Contact bank
Manufacturing, Trading Guarantee/LC, Purchase of Raw Material
Loan Amount
PKR 5M - 50M
PKR
Markup Rate
Contact bank
Per annum
Tenure
30-90 days
Max period
Eligibility Criteria
  • Qualify SBP PRs on SME.
  • Clean Credit History (no default on ECIB)
  • Maintain A/c with BOK with clear KYC/AML
  • Valid NTN
  • Member of any Chamber or trade/business body.
Documents Required
  • Loan Application
  • Financial Statements
  • Bank Statement
  • Utility bill copy.
  • CNIC copy
  • Import / purchase invoice
Collateral
  • Title Deed of property.
  • NOC & NEC of property from concerned authority.
  • Pre-mortgage legal opinion.
  • Valuation of property.
SME Finance Officer — MCB Islamic Bank Limited
Ahsan Khalid Mirza, Incharge SME Finance
091-5278295
ahsan.khalid@bok.com.pk
Peshawar
Full Product Details
MCB Islamic Bank Limited
MCB Islamic Bank Limited Manufacturing

FIM

Loan Amount
PKR 10M - 75M
Markup Rate
Contact bank
Manufacturing, Trading Guarantee/LC, Purchase of Raw Material
Loan Amount
PKR 10M - 75M
PKR
Markup Rate
Contact bank
Per annum
Tenure
30-90 days
Max period
Eligibility Criteria
  • Qualify SBP PRs on SME.
  • Clean Credit History (no default in ECB)
  • Maintain A/c with BOK with clear KYC / AML
  • Valid NTN
  • Member of any Chamber / business body.
Documents Required
  • Loan Application
  • Financial Statements
  • Bank Statement
  • Utility bill copy.
  • CNIC copy
  • Import / Purchase Invoice
Collateral
  • Title Deed of property.
  • NOC & NEC of property from concerned authority.
  • Pre-mortgage legal opinion.
  • Valuation of property.
SME Finance Officer — MCB Islamic Bank Limited
Asif Naseem, Head Retail Banking
091-5284246
asif.naseem@bok.com.pk
Peshawar
Full Product Details
MCB Islamic Bank Limited
MCB Islamic Bank Limited Manufacturing

Financing for Renewable Energy

Loan Amount
PKR 1M - 20M
Markup Rate
Contact bank
Manufacturing, Services, Trading Purchase of Machinery and Equipment
Loan Amount
PKR 1M - 20M
PKR
Markup Rate
Contact bank
Per annum
Tenure
1-7 years
Max period
Eligibility Criteria
  • Qualify SBP PRs on SME.
  • Clean Credit History (no default in ECIB)
  • Maintain A/c with BOK with clear KYC /AML
Documents Required
  • Loan Application
  • Financial Statements.
  • Bank Statement
  • Utility bills copy.
  • CNIC copy.
  • Quotation of equipment.
Collateral
  • Title Deed of property.
  • NOC & NEC of property from concerned authority.
  • Pre-mortgage legal opinion.
  • Valuation of property.
SME Finance Officer — MCB Islamic Bank Limited
Asif Naseem, Head Retail Banking
091-5284246
asif.naseem@bok.com.pk
Peshawar
Full Product Details
MCB Islamic Bank Limited
MCB Islamic Bank Limited Manufacturing

Inland/Foreign Bills Purchase

Loan Amount
PKR 5M - 100M
Markup Rate
Contact bank
Manufacturing, Trading Purchase of Raw Material, Payment to Suppliers
Loan Amount
PKR 5M - 100M
PKR
Markup Rate
Contact bank
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • Qualify SBP PRs on SME.
  • Clean Credit History (no default on ECIB)
  • Maintain A/c with BOK with clear KYC /AML
  • Valid NTN
  • Member of any Chamber or Trade/business body
Documents Required
  • Loan Application
  • Financial Statements
  • Bank Statement
  • Utility bill copy.
  • CNIC copy
  • Import / Purchase Invoice
Collateral
  • Title Deed of property.
  • NOC & NEC of property from concerned authority.
  • Pre-mortgage legal opinion.
  • Valuation of property.
SME Finance Officer — MCB Islamic Bank Limited
Asif Naseem, Head Retail Banking
091-5284246
asif.naseem@bok.com.pk
Peshawar
Full Product Details
MCB Islamic Bank Limited
MCB Islamic Bank Limited Manufacturing

Modernization of SMEs

Loan Amount
PKR 5M - 200M
Markup Rate
Contact bank
Manufacturing, Services, Trading Purchase of Machinery and Equipment
Loan Amount
PKR 5M - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
1-7 years
Max period
Eligibility Criteria
  • Qualify SBP PRs on SME.
  • Clean Credit History (no default ECIB)
  • Maintain A/c with BOK with clear KYC /AML
Documents Required
  • Loan Application
  • Financial Statements
  • Bank Statement
  • Utility bills copy.
  • CNIC copy.
  • Quotation of purchase of machinery.
Collateral
  • Title Deed of property.
  • NOC & NEC of property from concerned authority.
  • Pre-mortgage legal opinion.
  • Valuation of property.
SME Finance Officer — MCB Islamic Bank Limited
Asif Naseem, Head Retail Banking
091-5284246
asif.naseem@bok.com.pk
Peshawar
Full Product Details
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¡¨.

All SBP schemes subject to current State Bank of Pakistan policy. Visit SBP.org.pk ↗

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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