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SME Products & Services
For us, supporting Small & Medium Enterprises is of great importance as they play a vital role in employment generation and poverty reduction. They are a chief component of economic growth and resource mobilisation activities in the industrial sector in Pakistan. SMEs constitute 90% of all enterprises in Pakistan, employing 80% of non-agricultural labour force with an approximate share of 40% in the annual GDP.
Bank AL Habib SME Banking provides proactive, quick and quality services by simplifying procedures and reducing turnaround time for lending to the SMEs, so you can continue your activities on a fast -track. A team of qualified staff in all our branches is at your service to extend their support to you regarding all procedures.
SME Definition
| Classification | Annual Sales Turnover | Limit / Exposure |
|---|---|---|
| SE | Up to PKR 150 Million | PKR 25 Mio |
| Start-up SE | A small enterprise up to 5 years old will be considered as start-up SE | |
| ME | Above PKR 150 Million to PKR 800 Million | PKR 200 Mio |
| Start-up ME | A Medium Enterprise up to 5 years old will be considered as start-up ME |
SBP Policy - Promotion of SME Finance
Download PDF*Note: Above mentioned information is subject to change as per SBP directive. For further information, please visitnearest BAHL branch.
SME Financing and Services
Working Capital Financing
Short Term Financing
Long Term Financing
Commercial Vehicle Financing
AL Habib Zariya / Receivable Financing
Export/Import
Auto Lease
Trade Finance
Guarantees
Refinance Facility for Modernization of SME
SBP introduced the scheme for SMEs to modernize and also to address power shortages.
Refinance & Credit Guarantee Scheme for Women Entrepreneur
SBP introduced the scheme for the Women Entrepreneurs.
Small Enterprise & Credit Guarantee Scheme for Special Person
SBP introduced the scheme for Special persons falling under small enterprise (SE) category.
Refinance Scheme for Working Capital Financing of Small Enterprise & Low End Medium Enterprise
SBP introduced the scheme for working capital financing of Small Enterprise & Low End Medium Enterprise.
Long Term Financing Facility (LTFF) for Plant and Machinery
SBP introduced the scheme for Exporters (including SMEs) to avail financing under the facility through Participating Financial Institutions (PFIs) for new imported and locally manufactured plant and machinery. The facility will be available to the export oriented projects with at least 50% of their sales constituting exports if their annual exports are equivalent to US$ 5 million, which ever is lower.
Export Finance Scheme
SBP introduced Export Finance Scheme (EFS) which is a concessional short term financing facility provided to exporters through banks for exports of manufacturing goods and services especially value added products.
Prime Minister's Youth Business and Agriculture Loan Scheme (PMYB&ALS)
Government of Pakistan has approved revisions in the key features of PMKJ-YES with a view to make it more purposeful and beneficial for small businesses and agriculture.