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About Scheme

Small and Medium Enterprises (SMEs) play an important role in creation of employment opportunities, economic growth and poverty reduction. In order to encourage SMEs to modernize their factories for producing quality products and to meet their power shortages, State Bank of Pakistan (SBP) has introduced Refinance Facility for Modernization of SMEs.

Bank AL Habib SME Banking provides proactive, quick and quality services by simplifying procedure and reducing turnaround time for lending to the SMEs so you can continue your activities on a fast track. Qualified staff in our branches is there to help and support you on procedures for borrowing and make it convenient for you.

Easy & Low Cost

Financing Facility is available for flexible tenors up to maximum of 10 years. It can be availed for setting up new SMEs, for purchase of local or machinery and new generators.

Financing Tenor

10 Years

(6 months grace period)

Mark Up Rate


Per Anum

Financing Facility for SME Borrowers

New Machinery Financing

For Local purchase/import of new machinery for BMR of existing units

Generators Financing

Setting up new units for purchase of new generators up to 500 KVA

Financing on LCs

Only against LCs in case of imported plant and machinery

Repayment Schedule

Principal amount of loan re-payable in equal quarterly/half yearly instalments. After grace period, mark-up payable on quarterly basis.


  • Prudential Regulations of SBP for SMEs

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