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

5 products
First Women Bank Limi…
Clear
First Women Bank Limited (FWBL)
First Women Bank Limited (FWBL) Manufacturing

Apni Dokan

Loan Amount
PKR 500K - 200M
Markup Rate
3 month KIBOR+ 2.5% - 5.5%
Manufacturing, Trading Purchase / Construction / Renovation of Building, Purch…
Loan Amount
PKR 500K - 200M
PKR
Markup Rate
3 month KIBOR+ 2.5% - 5.5%
Per annum
Tenure
The minimum tenure fo…
Max period
Eligibility Criteria
  • Sole Proprietorships / Partnerships / Limited Companies
  • SME Traders / Industries / Manufacturers
  • Service industry like hospitals, restaurants and educational institutions.
  • Self-employed Professionals like doctors, IT and finance professionals etc.
  • Business/ operational profit for at least 3 years
  • No adverse ECIB or market checks
  • No past defaults
  • Should not be engaged in any type of volatile / speculative / high risk / undesirable nature of businesses
Documents Required
  • As per Bank's Policy
Collateral
  • The urban commercial / industrial property (ies) being financed will be used to secure the facility.
SME Finance Officer — First Women Bank Limited (FWBL)
BOP Representative
Respective City
Full Product Details
First Women Bank Limited (FWBL)
First Women Bank Limited (FWBL) Manufacturing

Fori Sahulat

Loan Amount
Up to PKR 500M
Markup Rate
3 month KIBOR+ 2.5% - 6%
Manufacturing, Services, Trading Purchase of Raw Material, Purchase of Machinery and Equ…
Loan Amount
Up to PKR 500M
PKR
Markup Rate
3 month KIBOR+ 2.5% - 6%
Per annum
Tenure
Up to 1 year Short Te…
Max period
Eligibility Criteria
  • Age: 18 years to 75 years (max, at the time of maturity of facility)
  • As per Bank Policy
Documents Required
  • As per Bank's Policy
Collateral
  • PKR Current and Savings Deposits (BOP)
  • PKR Fixed/Term Deposits (BOP and other banks)
  • Foreign Currency Deposits - Only BOP
  • Government Securities (Defence Savings Certificates (DSCs), Special Savings Certificates (SSCs), Regular Income Certificates (RICs) and Pakistan Investment Bonds (PIBs)
SME Finance Officer — First Women Bank Limited (FWBL)
BOP Representative
Respective City
Full Product Details
First Women Bank Limited (FWBL)
First Women Bank Limited (FWBL) Services

Kamyab Karobar

Loan Amount
PKR 500K - 5M
Markup Rate
3 month KIBOR+ 2.5% - 5.5%
Services, Manufacturing, Trading Guarantee/LC, Payment of Labour & other expenses, Payme…
Loan Amount
PKR 500K - 5M
PKR
Markup Rate
3 month KIBOR+ 2.5% - 5.5%
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • All BOP’s existing SME Proprietorship customers, having age between 21 and 65 years (at the time of maturity) excluding Dormant/ Debit block/ Credit block/ Frozen/ non-residents/ deceased/ mandate accounts/ expired CNIC accounts.
  • All BOP’s existing SME proprietorship customers already availing any type of finance facility from BOP through secured collateral/security.
  • DBR shall not exceed more than 50%.
  • SAAF product scorecard shall be run and applicants with 50% passing marks will be successful.
  • Lending relationship with BOP 1 year or more.
  • No 30+DPD
  • Minimum experience requirement Minimum 1 year in same line of business
  • 1 time turnover of limit amount.
  • All accounts which have satisfactory account conduct i.e. have met minimum required turnover of at least 1 time of limit amount shall be renewed on portfolio basis.
Documents Required
  • As per Bank's Policy
Collateral
  • Clean against Personal Guarantee
SME Finance Officer — First Women Bank Limited (FWBL)
BOP Representative
Respective City
Full Product Details
First Women Bank Limited (FWBL)
First Women Bank Limited (FWBL) Agriculture

Shamsi Tawanai

Loan Amount
PKR 500K - 100M
Markup Rate
3 month KIBOR+ 2.5% - 5.5%
Agriculture, Manufacturing, Services, Trading Purchase of Machinery and Equipment, Payment to Supplie…
Loan Amount
PKR 500K - 100M
PKR
Markup Rate
3 month KIBOR+ 2.5% - 5.5%
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • Individuals
  • Small & Medium Enterprises (SMEs)
  • Agribusinesses
  • Clean e-CIB report
  • Income proof i.e. Salary slip/ bank statement / income estimation is required (50% DBR/ equivalent annual turnover in account of the loan amount is required)
  • In case of business concern, proof for being in the business for at least three years is required
  • Non-Objection Certificate from the owner(s)
  • Age of the customer should be minimum 21 years at the time of application and maximum 60 Years at the time of the maturity of loan
Documents Required
  • As per Bank Policy
Collateral
  • As per Bank Policy
SME Finance Officer — First Women Bank Limited (FWBL)
BOP Representative
Respective City
Full Product Details
First Women Bank Limited (FWBL)
First Women Bank Limited (FWBL) Services

Supply Chain Finance

Loan Amount
PKR 500K - 25M
Markup Rate
Contact bank
Services, Trading Guarantee/LC
Loan Amount
PKR 500K - 25M
PKR
Markup Rate
Contact bank
Per annum
Tenure
BOP Supply Chain Fina…
Max period
Eligibility Criteria
  • Client has been in same business for at least 3 years
  • Customer has been working with its partner Corporate/commercial/OEMs entity for more than 2 year
  • As per Bank Policy
Documents Required
  • As per Bank Policy
Collateral
  • As per Bank Policy
SME Finance Officer — First Women Bank Limited (FWBL)
BOP Representative
Respective City
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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