SMEDA SMEDA Pakistan
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Government of Pakistan
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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

7 products
Allied Bank Limited (…
Clear
Allied Bank Limited (ABL)
Allied Bank Limited (ABL) Agriculture

HBL Business Finance

Loan Amount
PKR 500K - 25M
Markup Rate
3 months avg KIBOR + upto…
Agriculture, Manufacturing, Services, Trading Purchase / Construction / Renovation of Building, Guara…
Loan Amount
PKR 500K - 25M
PKR
Markup Rate
3 months avg KIBOR + upto 2…
Per annum
Tenure
RF-On Demand, DF up t…
Max period
Eligibility Criteria
  • 25 to 65 years of age.
  • The sponsor/mortgagor/borrower/ must be resident Pakistanis.
  • A business in operation for at least 3 years.
Documents Required
  • Complete application form
  • Copy of valid CNIC.
  • Copies of last 3 years Income Tax returns filed in the business name, if applicable.
  • Copies of last 3 years Income Tax and Wealth Tax returns / statements filed for partners/ proprietor/ directors, if applicable.
  • Copy of Title documents (Sale Deeds, Transfer Letter, etc.) and other supporting documents of property offered to the bank as security.
  • Copy of latest payment receipt for Property Tax and duties, levies paid in respect of the property offered to the bank as security, if applicable.
  • Copy of current professional association / trade body membership, if applicable.
  • Rent Agreement of business place (if premises on rent).
  • Two recent Passport size Photographs of the partners / proprietor.
  • Your last paid utility bill and business data.
  • A certified copy of your bank statement for the last 2 years.
  • A proprietorship letter or partnership deed or latest form 29 or search report as applicable.
  • Evaluation of collateral and legal vetting of property documents.
Collateral
  • Equitable mortgage of residential / commercial / industrial properties.
SME Finance Officer — Allied Bank Limited (ABL)
Aamir Kureshi, Head Retail Lending SME
021-37137425
aamir.kureshi@hbl.com
Karachi
Full Product Details
Allied Bank Limited (ABL)
Allied Bank Limited (ABL) Agriculture

HBL Conventional Finance

Loan Amount
PKR 500K - 200M
Markup Rate
3 months avg KIBOR + upto…
Agriculture, Manufacturing, Services, Trading Guarantee/LC, Payment of Labour & other expenses, Payme…
Loan Amount
PKR 500K - 200M
PKR
Markup Rate
3 months avg KIBOR + upto 2…
Per annum
Tenure
Depending on the faci…
Max period
Eligibility Criteria
  • Borrower must be a Pakistani resident.
  • Age of primary sponsor must be between 18 and 70 years.
  • The Borrower must meet KYC (Know your customer) and AML (Anti Money Laundering) criteria set by the bank.
  • The borrower must fulfill the bank and applicable regulatory policies.
Documents Required
  • Complete Application Form
  • Copy of CNIC key sponsor and security provider
  • Copy of latest utility bills
  • Proprietorship / declaration / partnership deed / latest form 29.
  • Copy of instrument/certificate/account statement and other supporting documents of security offered to the bank
  • Bank’s charge documents after approval of loan.
Collateral
  • Secured against residential/commercial/industrial property.
SME Finance Officer — Allied Bank Limited (ABL)
Aamir Kureshi, Head Retail Lending SME
021-37137425
aamir.kureshi@hbl.com
Karachi
Full Product Details
Allied Bank Limited (ABL)
Allied Bank Limited (ABL) Services

HBL POS Finance

Loan Amount
PKR 500K - 5M
Markup Rate
​As per schedule of cha…
Services, Trading Payment to Suppliers, Purchase of Raw Material
Loan Amount
PKR 500K - 5M
PKR
Markup Rate
​As per schedule of charg…
Per annum
Tenure
HBL POS finance will …
Max period
Eligibility Criteria
  • Businesses using HBL POS machines for at least 02 years.
  • A business in operation for at least 03 years
  • Average Monthly transaction of at least PKR 100,000 through HBL POS machine.
  • Clean Credit History.
  • Pakistan Resident aged between 25 years to 65 years (maximum age of 65 years will be at the time of maturity of loan. Customers shall have maximum age of 55 years at the time of fresh application).
Documents Required
  • Complete Application Form
Collateral
  • Financing against local/foreign currency (EUR, USD, GBP) deposits and/or National Saving Certificates (DSC/ SSC/RIC)​​
SME Finance Officer — Allied Bank Limited (ABL)
Aamir Kureshi, Head Retail Lending SME
021-37137425
aamir.kureshi@hbl.com
Karachi
Full Product Details
Allied Bank Limited (ABL)
Allied Bank Limited (ABL) Agriculture

HBL Seasonal Finance (Flour mills, Cotton Ginning Mills, Rice Husking, Oil Seed and Pulses)

Loan Amount
PKR 1M - 200M
Markup Rate
​As per schedule of cha…
Agriculture, Manufacturing, Trading Purchase of Raw Material, Purchase of Machinery and Equ…
Loan Amount
PKR 1M - 200M
PKR
Markup Rate
​As per schedule of charg…
Per annum
Tenure
From start to end of …
Max period
Eligibility Criteria
  • 18 to 60 years of age.
  • A business in operation for at least 3 years.
  • Regular utility bill payment history for last 6 months.
  • A proprietorship letter or partnership deed or latest form 29.
Documents Required
  • Complete application form
  • A valid CNIC.
  • The primary sponsor/ mortgagor / borrower must be resident Pakistanis.
  • The borrower must fulfill the bank and applicable regulatory policies.
  • Any other requirement which the bank may deem necessary from time to time.
Collateral
  • Secured against residential/commercial/industrial property.
SME Finance Officer — Allied Bank Limited (ABL)
Aamir Kureshi, Head Retail Lending SME
021-37137425
aamir.kureshi@hbl.com
Karachi
Full Product Details
Allied Bank Limited (ABL)
Allied Bank Limited (ABL) Manufacturing

HBL Small Business Finance (SBF)

Loan Amount
PKR 500K - 15M
Markup Rate
3 months avg Kibor + upto…
Manufacturing, Services, Trading Purchase / Construction / Renovation of Building, Payme…
Loan Amount
PKR 500K - 15M
PKR
Markup Rate
3 months avg Kibor + upto 6%
Per annum
Tenure
RF-On Demand, DF up t…
Max period
Eligibility Criteria
  • The sponsor/mortgagor/borrower/ must be resident Pakistanis having age between 25 to 65 years.
  • A business in operation for at least 3 years.
  • Clean ECIB.
  • Qualify SBP PRs on SME.
Documents Required
  • Loan application Form on Prescribed Format​.
  • Attested photocopy of CNIC of Sponsor/Owner/proprietor/Partners/Directors and mortgagor.
  • Copies of last 3 years Income Tax returns filed in the business name, if applicable.
  • Copies of last 3 years Income Tax and Wealth Tax returns / statements filed for partners/ proprietor/ directors, if applicable,
  • Copy of Title documents (Sale Deeds, Transfer Letter, etc.), latest payment receipt for Property Tax and duties, levies paid in respect of the property and other supporting documents of property offered to the bank as security.
  • Copy of current professional association / trade body membership/NTN certificate, if applicable.
  • Bank’s Charge documents after loan is approved.
  • Copy of Rent Agreement of business place (if premises is on rent).
  • Two recent Passport size Photographs of the partners / proprietor.
  • Stock report in case of Manufacturing and Trading concern.
  • Your last paid utility bill and business data.
  • Insurance of mortgage property after loan is approved.
  • Documents (internal ledgers & sales register) to prepare Financials Evaluation.
  • A certified copy of your bank statement for the last 1 year.
  • A proprietorship letter or partnership deed or latest form 29 or search report as applicable.
  • Evaluation of collateral and legal vetting of property documents.
Collateral
  • Equitable mortgage of residential / commercial / industrial properties.
SME Finance Officer — Allied Bank Limited (ABL)
Aamir Kureshi, Head Retail Lending SME
021-37137425
aamir.kureshi@hbl.com
Karachi
Full Product Details
Allied Bank Limited (ABL)
Allied Bank Limited (ABL) Trading

HBL Supply Chain Finance Solutions

Loan Amount
PKR 1M - 200M
Markup Rate
3 months KIBOR + 3%
Trading, Services Payment to Suppliers, Purchase of Raw Material
Loan Amount
PKR 1M - 200M
PKR
Markup Rate
3 months KIBOR + 3%
Per annum
Tenure
1 - 5 years
Max period
Eligibility Criteria
  • If you are a large corporate willing to partner with us for facilitating Supply Chain Finance Solutions for your value chain network, please get in touch with your Relationship Manager today or send an email to supplychain.finance@hbl.com.
  • Suppliers, vendors, logistics providers, distributors, sub-dealers, wholesalers and retailers.
Documents Required
  • Financing request/application.
  • Loan application Form on Prescribed Format​.
Collateral
  • Any movable, immovable security acceptable to bank where required.
SME Finance Officer — Allied Bank Limited (ABL)
Aamir Kureshi, Head Retail Lending SME
021-37137425
aamir.kureshi@hbl.com
Karachi
Full Product Details
Allied Bank Limited (ABL)
Allied Bank Limited (ABL) Manufacturing

HBL Swift Finance

Loan Amount
PKR 500K - 10M
Markup Rate
3 months avg Kibor + upto…
Manufacturing, Services, Trading Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 500K - 10M
PKR
Markup Rate
3 months avg Kibor + upto 6%
Per annum
Tenure
DF Up to 5 years, RF …
Max period
Eligibility Criteria
  • Borrower or Primary Sponsor must be a Pakistani resident
  • Age of Primary Sponsor must be between 18 and 70 years.
  • The Borrower must meet KYC (Know your customer) and AML (Anti Money Laundering) Criteria set by the bank.
  • The borrower must fulfill the bank and applicable regulatory policies.
Documents Required
  • Complete application form.
  • CNIC copy of borrower and security provider.
  • Copy of instrument/ certificate/ account statement and other supporting documents of security offered to the Bank, (Pledge or Lien marking after approval of loan prior to disbursement).
  • Copy of latest paid utility bill.
  • Proprietorship declaration/ partnership deed/ latest form 29 (as applicable).
  • Bank’s charge documents after approval of loan.
Collateral
  • Financing against local/foreign currency (EUR, USD, GBP) deposits and/or National Saving Certificates (DSC/ SSC/RIC)​​.
  • HBL deposits / government securities (DSCs, SSCs, RICs).
SME Finance Officer — Allied Bank Limited (ABL)
Aamir Kureshi, Head Retail Lending SME
021-37137425
aamir.kureshi@hbl.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.

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