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

6 products
The Bank of Punjab (B…
Clear
The Bank of Punjab (BOP)
The Bank of Punjab (BOP) Agriculture

Islamic Export Refinance Scheme

Loan Amount
PKR 500K - 500M
Markup Rate
Contact bank
Agriculture, Manufacturing, Trading
Loan Amount
PKR 500K - 500M
PKR
Markup Rate
Contact bank
Per annum
Tenure
Financing is allowed …
Max period
Eligibility Criteria
  • As per SBP Rules
Documents Required
  • Company profile.
  • CNIC of all sponsors
  • SBP's LAF
  • Audited or Management Financing.
  • Exact utilization of funds.
  • Repayment plan
  • Future cash flows
  • EE Form
  • Other documents/information may be required considering the sector where the client operates
Collateral
  • For well-established companies, FBL may allow financing against personal guarantees and hypothecation of current or fixed assets.
  • For larger exposures, hypothecation over current or fixed assets with tangible collateral will be required.
SME Finance Officer — The Bank of Punjab (BOP)
Aamir Salehjee, Head
021 32795532
aamirsalehjee@faysalbank.com
Karachi
Full Product Details
The Bank of Punjab (BOP)
The Bank of Punjab (BOP) Agriculture

Islamic Financing Facility for Storage of Agricultural Produce

Loan Amount
PKR 500K - 500M
Markup Rate
Contact bank
Agriculture, Manufacturing, Trading Purchase / Construction / Renovation of Building, Purch…
Loan Amount
PKR 500K - 500M
PKR
Markup Rate
Contact bank
Per annum
Tenure
Maximum financing ten…
Max period
Eligibility Criteria
  • Short to long-term financing is allowed to all SMEs for establishment, expansion and balancing, modernization & replacement (BMR) of Steel/Metal/Concrete Silos, Warehouses & Cold Storage facilities for storing agricultural produce.
  • The entity should be profitable for one year.
  • The company and its sponsors must have clean CIB(s)
  • The company should be operating in the same sector for at least 2 years
  • Other covenants may apply considering the sector where the client operates.
Documents Required
  • Company profile.
  • CNIC of all sponsors
  • SBP's LAF
  • Audited or Management Financing.
  • Exact utilization of funds.
  • Repayment plan
  • Future cash flows
  • Other documents/information may be required considering the sector where the client operates
Collateral
  • For well-established companies, FBL may allow financing against personal guarantees and hypothecation of current or fixed assets.
  • For larger exposures, hypothecation over current or fixed assets with tangible collateral will be required.
SME Finance Officer — The Bank of Punjab (BOP)
Aamir Salehjee, Head
021 32795532
aamirsalehjee@faysalbank.com
Karachi
Full Product Details
The Bank of Punjab (BOP)
The Bank of Punjab (BOP) Agriculture

Islamic Refinance and Credit Guarantee Scheme for Women Entrepreneur

Loan Amount
Up to PKR 5M
Markup Rate
Contact bank
Agriculture, Manufacturing, Trading Business Startup, Payment of Labour & other expenses, P…
Loan Amount
Up to PKR 5M
PKR
Markup Rate
Contact bank
Per annum
Tenure
The maximum tenor of …
Max period
Eligibility Criteria
  • Financing is allowed for setting up of any new business enterprises or for expansion of existing ones (subject to Shariah approval).
Documents Required
  • Company profile (if operational)
  • CNIC of all sponsor
  • SBP's LAF
  • Audited or Management Financing (if this is not a new business)
  • Exact utilization of funds.
  • Repayment plan
  • Future cash flows
Collateral
  • Preferably only PG is obtained
  • However, on a case-to-case basis, hypo over current/fixed assets or tangible collateral may be obtained.
SME Finance Officer — The Bank of Punjab (BOP)
Aamir Salehjee, Head
021 32795532
aamirsalehjee@faysalbank.com
Karachi
Full Product Details
The Bank of Punjab (BOP)
The Bank of Punjab (BOP) Agriculture

Islamic Refinance Facility for Modernization of SMEs Modernization of SMEs

Loan Amount
PKR 25M - 200M
Markup Rate
Contact bank
Agriculture, Manufacturing, Trading Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 25M - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
The maximum financing…
Max period
Eligibility Criteria
  • Medium to long-term financing is allowed to all SMEs for the modernization of their existing units. Preferably financing is allowed to purchase local or imported new machinery to expand business.
  • The entity should be profitable for one year.
  • The company and its sponsors must have clean CIB(s).
  • The company should be operating in the same sector for at least 2 years.
  • Other covenants may apply considering the sector where the client operates.
Documents Required
  • Company profile.
  • CNIC of all sponsors
  • SBP's LAF
  • Audited or Management Financing.
  • Exact utilization of funds.
  • Repayment plan
  • Future cash flows
  • Other documents/information may be required considering the sector where the client operates
Collateral
  • For well-established companies, FBL may allow financing against personal guarantees and hypothecation of current or fixed assets, along with a charge over the asset purchased.
  • For larger exposures, hypothecation over current or fixed assets with tangible collateral will be required.
SME Finance Officer — The Bank of Punjab (BOP)
Aamir Salehjee, Head
021 32795532
aamirsalehjee@faysalbank.com
Karachi
Full Product Details
The Bank of Punjab (BOP)
The Bank of Punjab (BOP) Agriculture

Islamic Refinance Scheme for Working Capital Financing of Small Enterprises and Low-End Medium Enterprises

Loan Amount
PKR 25M - 50M
Markup Rate
Contact bank
Agriculture, Manufacturing, Trading
Loan Amount
PKR 25M - 50M
PKR
Markup Rate
Contact bank
Per annum
Tenure
A maximum tenor is al…
Max period
Eligibility Criteria
  • Financing is allowed for working capital requirements only, i.e. mainly for financing stocks (receivable financing is not permitted in Islamic banking)
Documents Required
  • Company profile.
  • CNIC of all sponsors
  • SBP's LAF
  • Audited or Management Financing.
  • Exact utilization of funds.
  • Repayment plan.
  • Future cash flows.
  • Other documents/information may be required considering the sector where the client operates.
Collateral
  • For well-established companies, FBL may allow financing against personal guarantees and hypothecation of current or fixed assets.
  • For larger exposures, hypothecation over current or fixed assets with tangible collateral will be required.
SME Finance Officer — The Bank of Punjab (BOP)
Aamir Salehjee, Head
021 32795861
aamirsalehjee@faysalbank.com
Karachi
Full Product Details
The Bank of Punjab (BOP)
The Bank of Punjab (BOP) Agriculture

PMYBL

Loan Amount
PKR 500K - 7M
Markup Rate
Contact bank
Agriculture, Manufacturing, Trading Business Startup, Payment of Labour & other expenses, P…
Loan Amount
PKR 500K - 7M
PKR
Markup Rate
Contact bank
Per annum
Tenure
Up to 8 Years (Finan…
Max period
Eligibility Criteria
  • Financing is allowed for only business purposes, such as working capital requirement, CAPEX, or a new business.
Documents Required
  • Account statements for the last six months.
  • Audited or management financial statements.
  • A detailed explanation of how the funds will be utilized.
  • Projected cash flow for the next year.
  • SBP's Finance Application Form (LAF).
  • If it's a new business, a detailed feasibility report is required, including cash flow projections.
Collateral
  • FBL has only been sanctioned limit for Tier 2 & 3.
  • Collateral Required > Considering the purpose of the financing FBL may just obtain a PG and Hypo over goods to allow financing. For larger exposures, hypo over current or fixed assets with tangible collateral will be required.
SME Finance Officer — The Bank of Punjab (BOP)
M. Azeem Shamsi, Senior Manager
021 32795861
muhammad.azeem.shamsi@faysalbank.com
Karachi
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.

0 selected Choose 2–3 products to compare