SMEDA SMEDA Pakistan
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Government of Pakistan
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SBP State Bank of Pakistan
+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
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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

36 products
Agriculture
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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
Al Baraka Bank Ltd.
Al Baraka Bank Ltd. Agriculture

Alfalah Fleet Finance

Loan Amount
PKR 300K - 500M
Markup Rate
Contact bank
Agriculture, Manufacturing, Services, Trading
Loan Amount
PKR 300K - 500M
PKR
Markup Rate
Contact bank
Per annum
Tenure
1 to 7 Years
Max period
Eligibility Criteria
  • SMEs/ Corporate
Documents Required
  • Attested copy of the CNIC(s) of proprietor/ partner/director (as applicable)
  • One recent passport-size photograph of proprietor/partner/director (as applicable)
  • Copy of any latest paid utility bill received at the residential address
  • Copy of rent deed/lease deed, where property is rented
  • Undertaking that the customer is not the director, major shareholder holding 5% or more of the share capital of the Bank, its chief executive or an employee or any family member of above interested persons
  • Copy of net worth statement (if available)
  • Copy of any latest paid utility bill received at business address
  • Copy of rent deed/lease deed, where property is rented
  • Copy of current professional association/ trade body membership (if available)
  • Company profile (history/future plan)
  • Project information/product list
  • Financial statements of last year at least and preferably for the last three years
  • Online tax verisys
  • National Tax Number certificate
  • Partnership deed, Copy of certificate of registration of partnership (only required for partnership concerns)
  • Partnership mandate
  • Memorandum & Articles of Association and Certificate of Incorporation (only required for limited companies)
  • Latest form 29 certified by SECP (only required for limited companies)
  • Latest form A (only required for limited companies if applicable)
  • Board resolution authorising borrowing (only required for limited companies)
  • ISO Certification(s)
Collateral
  • Hypothecation of Vehicles
SME Finance Officer — Al Baraka Bank Ltd.
Mr. Shahid Malik, Head Products SME & Commercial
0333-4324007
shahid.malik@bankalfalah.com
Lahore
Full Product Details
Al Baraka Bank Ltd.
Al Baraka Bank Ltd. Agriculture

Alfalah Green Energy (AGE)

Loan Amount
Up to PKR 400M
Markup Rate
Contact bank
Agriculture, Manufacturing, Services, Trading Purchase of Machinery and Equipment
Loan Amount
Up to PKR 400M
PKR
Markup Rate
Contact bank
Per annum
Tenure
5 Years (max)
Max period
Eligibility Criteria
  • Consumer/ SMEs/ Corporate
Documents Required
  • Attested copy of the CNIC(s) of proprietor/ partner/director (as applicable)
  • One recent passport-size photograph of proprietor/partner/director (as applicable)
  • Copy of any latest paid utility bill received at the residential address
  • Copy of rent deed/lease deed, where property is rented
  • Undertaking that the customer is not the director, major shareholder holding 5% or more of the share capital of the Bank, its chief executive or an employee or any family member of above interested persons
  • Copy of net worth statement (if available)
  • Copy of any latest paid utility bill received at business address
  • Copy of rent deed/lease deed, where property is rented
  • Copy of current professional association/ trade body membership (if available)
  • Company profile (history/future plan)
  • Project information/product list
  • Financial statements of last year at least and preferably for the last three years
  • Online tax verisys
  • National Tax Number certificate
  • Partnership deed, Copy of certificate of registration of partnership (only required for partnership concerns)
  • Partnership mandate
  • Memorandum & Articles of Association and Certificate of Incorporation (only required for limited companies)
  • Latest form 29 certified by SECP (only required for limited companies)
  • Latest form A (only required for limited companies if applicable)
  • Board resolution authorising borrowing (only required for limited companies)
  • ISO Certification(s)
Collateral
  • Hypothecation Charge on Solar System/ Mortgage of Property
SME Finance Officer — Al Baraka Bank Ltd.
Mr. Shahid Malik, Head Products SME & Commercial
0333-4324007
shahid.malik@bankalfalah.com
Lahore
Full Product Details
Al Baraka Bank Ltd.
Al Baraka Bank Ltd. Agriculture

Alfalah Quick Finance

Loan Amount
PKR 50K - 300M
Markup Rate
Contact bank
Agriculture, Manufacturing, Services, Trading Payment of Labour & other expenses, Payment to Supplier…
Loan Amount
PKR 50K - 300M
PKR
Markup Rate
Contact bank
Per annum
Tenure
1 Year (Renewable)
Max period
Eligibility Criteria
  • SMEs/ Corporate
Documents Required
  • Attested copy of the CNIC(s) of proprietor/ partner/director (as applicable)
  • One recent passport-size photograph of proprietor/partner/director (as applicable)
  • Copy of any latest paid utility bill received at the residential address Copy of rent deed/lease deed, where property is rented Undertaking that the customer is not the director, major shareholder holding 5% or more of the share capital of the Bank, its chief executive or an employee or any family member of above interested persons Copy of net worth statement (if available) Copy of any latest paid utility bill received at business address Copy of rent deed/lease deed, where property is rented Copy of current professional association/ trade body membership (if available) Company profile (history/future plan) Project information/product list Financial statements of last year at least and preferably for the last three years Online tax verisys National Tax Number certificate Partnership deed, Copy of certificate of registration of partnership (only required for partnership concerns) Partnership mandate Memorandum & Articles of Association and Certificate of Incorporation (only required for limited companies) Latest form 29 certified by SECP (only required for limited companies) Latest form A (only required for limited companies if applicable) Board resolution authorising borrowing (only required for limited companies) ISO Certification(s)
  • Copy of rent deed/lease deed, where property is rented
  • Undertaking that the customer is not the director, major shareholder holding 5% or more of the share capital of the Bank, its chief executive or an employee or any family member of above interested persons
  • Copy of net worth statement (if available)
  • Copy of any latest paid utility bill received at business address
  • Copy of rent deed/lease deed, where property is rented
  • Copy of current professional association/ trade body membership (if available)
  • Company profile (history/future plan)
  • Project information/product list
  • Financial statements of last year at least and preferably for the last three years
  • Online tax verisys
  • National Tax Number certificate
  • Partnership deed, Copy of certificate of registration of partnership (only required for partnership concerns)
  • Partnership mandate
  • Memorandum & Articles of Association and Certificate of Incorporation (only required for limited companies)
  • Latest form 29 certified by SECP (only required for limited companies)
  • Latest form A (only required for limited companies if applicable)
  • Board resolution authorising borrowing (only required for limited companies)
  • ISO Certification(s)
Collateral
  • DSC
  • SSC (Registered)
  • RIC
  • Deposits of BAFL
SME Finance Officer — Al Baraka Bank Ltd.
Mr. Shahid Malik, Head Products SME & Commercial
0333-4324007
shahid.malik@bankalfalah.com
Lahore
Full Product Details
Habib Bank Limited (HBL)
Habib Bank Limited (HBL) Services

Allied Business Finance

Loan Amount
PKR 100K - 15M
Markup Rate
Contact bank
Services, Manufacturing, Agriculture, Trading Purchase of Raw Material, Purchase of Agricultural Inpu…
Loan Amount
PKR 100K - 15M
PKR
Markup Rate
Contact bank
Per annum
Tenure
Up to 1 year
Max period
Eligibility Criteria
  • SME's engaged in various business activities i.e. a trader, service provider or manufacture.
Documents Required
  • In accordance to bank's credit policy guidelines as well as regulatory requirements for each facility.
Collateral
  • Secured by acceptable Residential / Commercial / Industrial real estate.
SME Finance Officer — Habib Bank Limited (HBL)
Mr. Tahir Hussain Bukhtiaree, Divisional Head-Asset
042-35880043-31434, 03004246863
tahir.bakhtiaree@abl.com
Lahore
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
Khushhali Microfinance Bank Limited
Khushhali Microfinance Bank Limited Agriculture

Diminishing Musharaka

Loan Amount
PKR 500K - 200M
Markup Rate
Contact bank
Agriculture, Manufacturing, Services, Trading Purchase of Agricultural Machinery and Implements, Purc…
Loan Amount
PKR 500K - 200M
PKR
Markup Rate
Contact bank
Per annum
Tenure
No specified min. and…
Max period
Eligibility Criteria
  • Financing limit as per clients/ requirements or per party entitlement as specified in respective Prudential Regulations for SME financing whichever is lower subject to banks
Documents Required
Not specified
Collateral
  • Any moveable , immoveable security acceptable to bank including personal guarantee of directors etc where require
SME Finance Officer — Khushhali Microfinance Bank Limited
Mr.Shahid Mehmood, Division Head
042-34501000 Ext 1052
mehmood.shahid@mcbislamicbank.com
Lahore
Full Product Details
Askari Bank
Askari Bank Agriculture

Diminishing Musharaka / Ijara

Loan Amount
PKR 500K - 200M
Markup Rate
3 month KIBOR + 2.5% - 4.…
Agriculture, Manufacturing, Services, Trading Purchase of Dairy/Livestock/Poultry Machinery, Purchase…
Loan Amount
PKR 500K - 200M
PKR
Markup Rate
3 month KIBOR + 2.5% - 4.5%
Per annum
Tenure
Up to 5 years
Max period
Eligibility Criteria
  • Customers having good business profiles, track record, cash flow.
  • Able to meet the obligations.
  • Shariah mindset.
  • Positive approach towards growth as well as repayment of obligations.
Documents Required
  • Financing request/application.
  • Bank account statement of last 6 months.
  • Last 3 years audited financial statements.
  • Financial projections up to the tenor of financing.
  • Copy of CNIC individual / partners /directors Partnership deed (in case of AOP) Memorandum & Article along with Form A & 29 (In case of limited company)
  • Copy of Utility Bills.
  • Copy of latest income tax return.
  • Copy of trade/association document.
Collateral
  • Cash Collateral in shape of lien over account, deposit certificates etc.
  • Mortgage of property. Hypothecation of plant & machinery.
  • Charge over assets in case of limited companies. Personal Guarantees. Any other security acceptable to bank.
SME Finance Officer — Askari Bank
Danish Saleem, Vice President
021-38103500 Ext-3735
danish.saleem@meezanbank.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 capital Maximum 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 Rate Up 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 rate Up 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 rate Up to 3 years 8% Over 3 years & up to 5 years 9% Over 5 years & up to 7 years 10%
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 years 10.40% Over 5 years & up to 10 years 10.50%
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 years 10.40% Over 5 years & up to 10 years 10.50%
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 „X 180 days for direct exporters „X 120 days for indirect exporters „X 270 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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