SME Banking

    SME Program is an ideal financing option for a SME trader to apply with more affordability. This facility is designed in order to provide working capital facilities to Indo-Lanka trade related SME businesses operating in Sri Lanka with an annual turnover in the range of LKR 100.0 million to LKR 2.50 billion.


    • Fast processing

      Fast processing and quick availability of the facility

    • Convenient Documentation

      Convenient, affordable & customized security to offer ease and flexibility

    • Dedicated and exclusive relationship managers

      Dedicated relationship managers to provide complete financial solutions

    • Attractive Pricing

      Low interest rates and commission charges

    • Priority sector clients

      Attractive pricing offered for customers under priority sector lending

    • Fast and Easy renewals

      Hassle free renewals with less documentation (Based on the customer financial strength)

    • Easy Accessibility

      Leverage on our anywhere banking services through 3000 plus branch network

    Facilities Offered:

    • Cash Credit / Overdraft for meeting working capital finance requirement.
    • Export Credit to provide Pre-Shipment & Post Shipment finance. Letter of Credit to facilitate trade.
    • Bank Guarantees for meeting performance and financial obligations.
    • Term Loan for purchase of commercial assets & business expansion needs

    Acceptable collateral:

    Flexible collateral options in terms of Residential/Commercial/Industrial property/Liquid securities

    Eligible entities:

    Sole Proprietorship Firms, Partnership Firms, Private limited Companies, Public limited Companies

    Applicable Charges

    • Processing Fees

      Loan processing fees shall be charged based on loan sanctioned amount

    • Interest

      Pricing shall be linked to SLIBOR * for fund based facility

    • Commission

      Shall be charged on pro rata basis based on the tenure and the amount of non-fund based facility being availed

    *Sri Lanka Inter Bank Offer Rate published by Central Bank of Sri Lanka. The same is subject to change from time to time.

    Terms & conditions

    • Annual Turnover of the company should be between LKR 100.0 million to LKR 2.50 billion.
    • Client should be willing to provide security in the form of Cash Collateral or Primary Mortgage over land / building.