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
Faysal Bank
Clear
Faysal Bank
Faysal Bank Manufacturing

Commercial Vehicle Financing for business purpose

Loan Amount
PKR 500K - 10M
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Manufacturing, Services, Trading Purchase / Fabrication of Commercial / Passenger Vehic…
Loan Amount
PKR 500K - 10M
PKR
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Per annum
Tenure
1 - 5 year
Max period
Eligibility Criteria
  • SME, Commercial
  • 3 years relevant experience
Documents Required
  • Loan Application Form
  • CNIC
  • Bank Statement
  • Proof of relevant business experience
Collateral
  • HPA in favor of UBL
SME Finance Officer — Faysal Bank
Hasnain Mirza, Head
hasnain.mirza@ubl.com.pk
Full Product Details
Faysal Bank
Faysal Bank Manufacturing

Financing to Urooj

Loan Amount
Up to PKR 5M
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Manufacturing, Services, Trading Purchase of Machinery and Equipment, Payment of Labour …
Loan Amount
Up to PKR 5M
PKR
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Per annum
Tenure
1 - 5 year
Max period
Eligibility Criteria
  • SME, Commercial
  • 3 years relevant experience
Documents Required
  • Loan Application Form
  • CNIC
  • Bank Statement
  • Proof of relevant business experience
Collateral
  • Preferably Personal Guarantee of applicant
SME Finance Officer — Faysal Bank
Hasnain Mirza, Head
hasnain.mirza@ubl.com.pk
Full Product Details
Faysal Bank
Faysal Bank Agriculture

PMYBL

Loan Amount
PKR 100K - 2M
Markup Rate
1 yr KIBOR + 5% - 6%
Agriculture, Manufacturing, Services, Trading Purchase / Construction / Renovation of Building, Payme…
Loan Amount
PKR 100K - 2M
PKR
Markup Rate
1 yr KIBOR + 5% - 6%
Per annum
Tenure
3 - 5 Years
Max period
Eligibility Criteria
  • Minimum age 21 years and Maximum age 45
Documents Required
  • Prescribed Application Form signed by Customer.
  • Valid CNIC.
  • Financial Statements.
  • Bank statement.
  • Feasibility Report
Collateral
  • Guarantee and/or Immovable Property
  • Business Hypothecation
SME Finance Officer — Faysal Bank
Muhammad Mubashar, Relationship Manager
0312-2141985
Full Product Details
Faysal Bank
Faysal Bank Manufacturing

Sahulat Loan

Loan Amount
PKR 500K - 500M
Markup Rate
3 month KIBOR+ 4.5% - 5.5%
Manufacturing, Services, Trading Purchase of Machinery and Equipment, Guarantee/LC, Paym…
Loan Amount
PKR 500K - 500M
PKR
Markup Rate
3 month KIBOR+ 4.5% - 5.5%
Per annum
Tenure
1 - 5 year
Max period
Eligibility Criteria
  • SME, Commercial
  • 1 year relevant experience
Documents Required
  • Loan Application Form
  • CNIC
  • Bank Statement
  • Proof of relevant business experience
Collateral
  • Lien on liquid securities (UBL deposit, National Saving Certificates, etc.)
SME Finance Officer — Faysal Bank
Hasnain Mirza, Head
hasnain.mirza@ubl.com.pk
Full Product Details
Faysal Bank
Faysal Bank Manufacturing

Seasonal Finance

Loan Amount
PKR 500K - 500M
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Manufacturing Purchase of Raw Material
Loan Amount
PKR 500K - 500M
PKR
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Per annum
Tenure
1 year
Max period
Eligibility Criteria
  • SME, Commercial
  • 3 years relevant experience
Documents Required
  • Loan Application Form
  • CNIC
  • Bank Statement
  • Proof of relevant business experience
Collateral
  • Pledge of stock Mortgage of Property (residential / commercial / industrial)
SME Finance Officer — Faysal Bank
Hasnain Mirza, Head
hasnain.mirza@ubl.com.pk
Full Product Details
Faysal Bank
Faysal Bank Manufacturing

UBL Cotton Ginning Loan

Loan Amount
PKR 500K - 100M
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Manufacturing Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 500K - 100M
PKR
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • Minimum age 21 years and Maximum age 60
  • Minimum 3 years of respective business experience
  • Sole Proprietorship, Partnership, and Private Limited companies
Documents Required
  • Customer Request Letter.
  • Valid CNIC.
  • Borrowers Basic Fact Sheet.
  • Audited Financial Statements.
  • Six months bank statement.
  • Copy of property documents.
Collateral
  • Pledge Guarantee and/or Immovable Property
  • Business Hypothecation
SME Finance Officer — Faysal Bank
Muhammad Mubashar, Relationship Manager
0312-2141985
Full Product Details
Faysal Bank
Faysal Bank Manufacturing

UBL Karobar Loan

Loan Amount
PKR 500K - 40M
Markup Rate
3 month KIBOR+ 4.5% - 5.5%
Manufacturing, Services, Trading Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 500K - 40M
PKR
Markup Rate
3 month KIBOR+ 4.5% - 5.5%
Per annum
Tenure
1 - 5 year
Max period
Eligibility Criteria
  • SME, Commercial
  • 3 years relevant experience
Documents Required
  • Loan Application Form
  • CNIC
  • Bank Statement
  • Proof of relevant business experience
Collateral
  • Mortgage of Property (residential / commercial / industrial)
SME Finance Officer — Faysal Bank
Mr. Hasnain Mirza, Head
hasnain.mirza@ubl.com.pk
Full Product Details
Faysal Bank
Faysal Bank Manufacturing

UBL Rice Husking Loan

Loan Amount
PKR 500K - 75M
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Manufacturing Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 500K - 75M
PKR
Markup Rate
3 month KIBOR+ 3.5% - 4.5%
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • Minimum age 21 years and Maximum age 60
  • Minimum 3 years of respective business experience
  • Sole Proprietorship, Partnership, and Private Limited companies
Documents Required
  • Customer Request Letter.
  • Valid CNIC.
  • Borrowers Basic Fact Sheet.
  • Audited Financial Statements.
  • Six months bank statement.
  • Copy of property documents.
Collateral
  • Pledge Guarantee and/or Immovable Property
  • Business Hypothecation
SME Finance Officer — Faysal Bank
Muhammad Mubashar, Relationship Manager
0312-2141985
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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