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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
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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
Bank Alfalah Limited …
Clear
Bank Alfalah Limited (BAL)
Bank Alfalah Limited (BAL) Agriculture

Agri Finance (Running Finance)

Loan Amount
PKR 1M - 30M
Markup Rate
Kibor + 5% - 5.5%
Agriculture Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 1M - 30M
PKR
Markup Rate
Kibor + 5% - 5.5%
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • Must be a Pakistani Resident
  • Fresh Customers and BTF
  • Approved cities: Karachi, Lahore, Rawalpindi, Islamabad, Faisalabad, Multan and Gujranwala.
  • Min Income PKR 50,000 per month
  • Borrowers age: 25-60 years for primary and up to 65 years for income co-borrower. While 18 -65 years for property co-borrower. Moreover, the max age for primary co-borrower in case of BTF is extendable up to 65 years. 
  • Business Tenor Requirements: Min 5 years for fresh customers while min 3 years for BTF.
  • The loan is renewable on completing the 1st tenure in good faith.
Documents Required
  • Personal Document:
  • Copy of CNIC
  • Passport Size Photo
  • Property Related Document:
  • A complete chain of original documents of property.
  • Copy of approved building plan
  • Copy of Last Property Tax
  • Business Related Document:
  • Proprietorship & Partnership deed etc.
  • Copy of title documents or rent deed
  • Copy of last 6 months paid electricity bill business premises;
  • Income tax returns;
  • NTN certificate.
  • Banking Relationship Related Documents: 
  • 12 months bank statement; list of property documents/ Certificate (only BTF); list of property documents held with other banks( for BTF)
  • BBFS
  • Bank certificate in case of proprietorship & partnership concern
  • Financial statement as per SBP SME PR
  • Documents Required in case of Co-borrower:
  •  Copy of CNIC
  • 2 recent passport size photographs;
  • Proof of relationship if not evidenced by CNIC
Collateral
  • Maximum up to 3 collaterals including residential & commercial properties and land with maximum up to 70% LTV
SME Finance Officer — Bank Alfalah Limited (BAL)
Faisal Shabbir, Regional Sales Manager
Multan
Full Product Details
Bank Alfalah Limited (BAL)
Bank Alfalah Limited (BAL) Agriculture

Automated QA Test Facility

Loan Amount
PKR 2.5M - 15M
Markup Rate
Contact bank
Agriculture, Manufacturing Purchase / Construction / Renovation of Building
Loan Amount
PKR 2.5M - 15M
PKR
Markup Rate
Contact bank
Per annum
Tenure
3 to 5 Years
Max period
Eligibility Criteria
Not specified
Documents Required
Not specified
Collateral
Not specified
Contact your nearest Bank Alfalah Limited (BAL) branch to apply.
Full Product Details
Bank Alfalah Limited (BAL)
Bank Alfalah Limited (BAL) Agriculture

M Power

Loan Amount
PKR 500K - 30M
Markup Rate
3 month Kibor offer + upt…
Agriculture, Manufacturing, Services, Trading Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 500K - 30M
PKR
Markup Rate
3 month Kibor offer + upto …
Per annum
Tenure
1 - 3 years
Max period
Eligibility Criteria
  • Must be a Pakistani Resident
  • Fresh Customers and BTF
  • Approved cities: Karachi, Lahore, Rawalpindi, Islamabad, Faisalabad, Multan and Gujranwala.
  • Min Income PKR 50,000 per month
  • Borrowers age: 25-60 years for primary and up to 65 years for income co-borrower. While 18 -65 years for property co-borrower. Moreover, the max age for primary co-borrower in case of BTF is extendable up to 65 years. 
  • Business Tenor Requirements: Min 5 years for fresh customers while min 3 years for BTF.
  • The loan is renewable on completing the 1st tenure in good faith.
Documents Required
  • Personal Document:
  • Copy of CNIC
  • Passport Size Photo
  • Property Related Document:
  • The complete chain of original documents of property.
  • Copy of approved building plan
  • Copy of Last Property Tax
  • Business Related Document:
  • Proprietorship & Partnership deed etc.
  • Copy of title documents or rent deed
  • Copy of any paid utility bill received at office or residence;
  • Income tax return;
  • NTN certificate.
  • Banking Relationship Related Documents: 
  • 12 months bank statement; list of property documents held with other banks( for BTF)
  • BBFS
  • Bank certificate in case of proprietorship & partnership concern
  • Financial statement as per SBP SME PR
  • Documents Required in case of Co-borrower:
  •  copy of CNIC 2 recent passport size photographs; proof of relationship if not evidenced by CNIC 
Collateral
  • Maximum up to 3 collaterals including residential & commercial properties and land with maximum upto 70% LTV
SME Finance Officer — Bank Alfalah Limited (BAL)
Maliha Shahid, Product Manager
Lahore
Full Product Details
Bank Alfalah Limited (BAL)
Bank Alfalah Limited (BAL) Agriculture

Running Finance - SME

Loan Amount
PKR 500K - 75M
Markup Rate
Kibor + 4% to 5%
Agriculture, Manufacturing, Trading Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 500K - 75M
PKR
Markup Rate
Kibor + 4% to 5%
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • Conclusively identified need for working capital requirements for the business's normal course of operations
  • The loan is renewable on completing the 1st tenure in good faith.
Documents Required
  • Depending on nature and type of case the following is usually required:
  • Loan application documents with CNIC etc
  • Business & Sponsors profile
  • Business registration documents depending on the type of business.(e.g. partnership deed, NTN, Certificate of Incorporation, Form A +29 etc)
  • Evidence to support working capital requirements(trade documents, invoices, contracts etc)
  • Financial statements & cash flows
  • Information regarding existing banking relationships
  • Documents pertaining to securities against requested financing
Collateral
  • Depending on the case, primary security is usually current assets with secondary collateral being property comprising land.
SME Finance Officer — Bank Alfalah Limited (BAL)
Mr. Faisal Saeed, -
042-6369248
info@silkbank.com.pk
Lahore
Full Product Details
Bank Alfalah Limited (BAL)
Bank Alfalah Limited (BAL) Agriculture

Term Finance - SME

Loan Amount
PKR 500K - 75M
Markup Rate
Kibor + 4% to 5%
Agriculture, Manufacturing, Trading Purchase / Construction / Renovation of Building, Purch…
Loan Amount
PKR 500K - 75M
PKR
Markup Rate
Kibor + 4% to 5%
Per annum
Tenure
1 - 3 years
Max period
Eligibility Criteria
  • Preferred Sectors:
  • Light Engineering, General Trading, Construction, Agri support, Steel ,Electrical, Printing and packaging, Plastics, Automotive etc.
  • Capital expenditure suuch;as expansion of business capacity, construction of plant/factory infrastructure, procurement of plant & machinery etc
  • The loan is renewable on completing the 1st tenure in good faith.
Documents Required
  • Depending on nature and type of case the following is usually required:
  • Loan application documents with CNIC etc
  • Business & Sponsors profile
  • Business registration documents depending on type of business.(e.g. partnersip deed, NTN,Certificate of Incorporation, Form A +29 etc)
  • Evidence to support working capital requirements(trade documents, invoices, contracts etc)
  • Financial statements & cash flows
  • Information regarding existing banking relationships
  • Documents pertaining to securities against requested financing
Collateral
  • Depending on case, primary security is usually fixed assets procured or developed from the term finance with secondary collateral being property comprising land.
SME Finance Officer — Bank Alfalah Limited (BAL)
Mr. Faisal Saeed
042-6369248
Lahore
Full Product Details
Bank Alfalah Limited (BAL)
Bank Alfalah Limited (BAL) Manufacturing

Textile Utility Financing (Running Finance)

Loan Amount
PKR 500K - 30M
Markup Rate
Kibor + 4.5% - 5.5%
Manufacturing Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 500K - 30M
PKR
Markup Rate
Kibor + 4.5% - 5.5%
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • Must be a Pakistani Resident
  • Fresh Customers and BTF
  • Approved cities: Karachi, Lahore, Rawalpindi, Islamabad, Faisalabad, Multan and Gujranwala.
  • Min Income PKR 50,000 per month
  • Borrowers age: 25-60 years for primary and up to 65 years for income co-borrower. While 18 -65 years for property co-borrower. Moreover, the max age for primary co-borrower in case of BTF is extendable up to 65 years. 
  • Business Tenor Requirements: Min 5 years for fresh customers while min 3 years for BTF.
  • The loan is renewable on completing the 1st tenure in good faith.
Documents Required
  • Personal Document:
  • Copy of CNIC
  • Passport Size Photo
  • Property Related Document:
  • A complete chain of original documents of property.
  • Copy of approved building plan
  • Copy of Last Property Tax
  • Business Related Document:
  • Proprietorship & Partnership deed etc.
  • Copy of title documents or rent deed
  • Copy of last 6 months paid electricity bill business premises;
  • Income tax return;
  • NTN certificate.
  • Banking Relationship Related Documents:
  • 12 months bank statement; list of property documents/ Certificate (only BTF); list of property documents held with other banks( for BTF)
  • BBFS
  • Bank certificate in case of proprietorship & partnership concern
  • Financial statement as per SBP SME PR
  • Documents Required in case of Co-borrower:
  •  Copy of CNIC
  • 2 recent passport size photographs;
  • Proof of relationship if not evidenced by CNIC
Collateral
  • Maximum up to 3 collaterals including residential & commercial properties and land with maximum up to 70% LTV
SME Finance Officer — Bank Alfalah Limited (BAL)
Amina Wazir, Assistant Product Manager
042-35857991
Lahore
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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