An SME loan is a business loan designed to support small and medium-sized enterprises (SMEs) in financing business expansion, working capital, or equipment purchases

DFCC Bank offers a range of SME loan schemes, including:

• "Kapruka Ayojana" Credit Scheme for agriculture businesses

• "Manusavi" Loan Scheme for Sri Lankan migrant workers

• DFCC SAHAYA Loan Scheme for MSMEs

Business Term Loans for capital investments

Interest rates vary depending on the loan scheme, funding source, and business requirements. Some government-backed and international-agency-funded loans offer lower interest rates, while commercial loans have very competitive market rates.

Loan processing times vary depending on the type of loan and provision of sufficient and correct documentation. Generally, approvals take a few working days to a couple of weeks, depending on what loan you are applying for. DFCC Bank strives to provide the lowest time to approval and disbursement possible, based on each customer’s individual circumstances.

• Business registration documents

• Financial statements (past 2-3 years)

• Bank statements

• Project proposals or investment plans

• Tax records (if applicable)

Yes, certain loan schemes like the DFCC SAHAYA Loan Scheme and Manusavi Loan Scheme are available for new businesses and start-ups. Provided you meet the minimum eligibility criteria, you may apply

Our Relationship Officers will assess your business needs and financial situation to recommend the most suitable SME loan scheme

Collateral requirements depend on the loan type and amount. Some loans require asset-based security, while others, especially government-funded SME loans, may have relaxed collateral conditions.

Visit your nearest DFCC Bank branch, contact your Relationship Officer, or call 0112 350000 to begin your loan application process.