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For us, supporting Small & Medium Enterprises is of paramount importance as they play an important role in employment generation and poverty reduction. They are the engines of economic growth and resource mobilization 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 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.

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SME Definition

Classification Segment Number of Employees Annual Sales Turnover
PKR (Million)
PKR (Million)
SE - Up to 50 150 25
ME Trading 51-100 800 200
ME Manufacturing 51-250 800 200
ME Services 51-250 800 200

SME Financing and Services

Working Capital Financing
Short Term Financing
Long Term Financing
Commercial Vehicle Financing
AL Habib Zariya / Receivable Financing
Auto Lease
Trade Finance

Refinance Facility for Modernization of SME

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.

Small Enterprise & Credit Guarantee Scheme for Special Person

In line with the Government of Pakistan’s priority to improve socio-economic life of the special persons in the country and SBP’s measures for improving access to finance for this vulnerable segment of the economy

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Refinance & Credit Guarantee Scheme for Women Entrepreneur

In order to improve access to finance of the economy especially for the women entrepreneurs, a refinance along with credit guarantee scheme is being launched for the women borrowers across the country.

SBP Financing Scheme for Renewable Energy Category II

The objective of the scheme is to lend support in addressing dual challenge of energy shortage and climate change through promotion of renewable energy

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Refinance Scheme for Working Capital Financing of Small Enterprise & Low End Medium Enterprise

State Bank of Pakistan (SBP) is offering Refinance Scheme for Working Capital Financing of Small Enterprises and Low-End Medium Enterprises.

Long Term Financing Facility (LTFF) for Plant and Machinery

Exporters (including SMEs) can avail financing under the facility through Participating Financial Institutions (PFIs) for new imported and locally manufactured plant and machinery.

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Export Finance Scheme

Export Finance Scheme (EFS) is a concessional short term financing facility provided to exporters through banks for exports of manufacturing goods and services especially value added products.

SBP Policy - Promotion of SME Finance

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