HomeSMELoan Schemes

Loan Schemes

DFCC Bank is committed to developing SMEs in the country.

Loan
Schemes

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SMELoC –
TEA (ADB)

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SMELoC –
SME (ADB)

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Smile III
Revolving Fund

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‘Kapruka Ayojana’
Credit Scheme

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Manusavi Loan
Scheme

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Term Loans

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DFCC SAHAYA
Loan Scheme

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Tailored Business Banking Loans to Drive Growth

DFCC Bank offers a range of SME loans designed to support micro, small, and medium-sized enterprises (MSMEs) in achieving their growth objectives. Whether you require funding for expansion, working capital, investment in new technology, or sustainable business practices, our specialised commercial loans schemes provide competitive interest rates, flexible repayment terms, and customised financing solutions.

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Key Features & Benefits

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  • Tailored Business Banking Loans 

    Commercial loans designed to meet the unique needs of SMEs across multiple sectors.

  • Flexible Repayment Options 

    Structured repayment plans that align with cash flow cycles and business growth strategies.

  • Competitive Interest Rates 

    Affordable interest rates tailored to support business expansion and sustainability.

  • Government & Internationally Funded SME Loans –

    Special credit lines from ADB, Government of Sri Lanka, and other international funding agencies.

  • Working Capital & Investment Loans 

    Financing available for daily operations, machinery, equipment, technology, and more.

  • Quick & Easy Loan Processing 

    Streamlined application and approval process for hassle-free access to funds.

  • Expert Business Advisory Services 

    Personalised financial guidance to maximize your loan benefits and business potential.

Comprehensive SME Loan Offerings

DFCC Bank offers a diverse range of business banking loans, ensuring businesses have access to tailored financing solutions that align with their industry and business needs.

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"Kapruka Ayojana" Credit Scheme (KACS)

Designed for agriculture-based businesses, this loan supports farmers and agribusinesses with low-interest financing for working capital and expansion.

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"Manusavi" Loan Scheme

A specialised loan scheme for Sri Lankan migrant workers, offering financial support for business start-ups in Sri Lanka, investments in Sri Lanka, and reintegration into the local economy at the end of foreign employment.

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SMELoC - Tea (ADB)

Achieve your long-term financial goals with disciplined savings plans and higher returns.

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SME LoC - SME (ADB)

An ADB-funded SME loan programme that provides affordable loans for business expansion, infrastructure development, and export-oriented industries.

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E-Friends II - Revolving Fund

A specialised environmental sustainability loan, offering financial assistance for green technology investments, renewable energy adoption, and eco-friendly business initiatives.

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SMILE III - Revolving Fund

A long-term business loan providing low-interest financing for manufacturing, service sector development, and SME modernisation.

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DFCC SAHAYA Loan Scheme (MSME)

Targeted at Micro, Small, and Medium Enterprises (MSMEs), this scheme offers customised financing to promote entrepreneurship, business expansion, and job creation.

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Business Term Loans

Flexible short and long-term commercial loans designed to support capital investments, infrastructure upgrades, and working capital needs for businesses of all sizes.

How to Apply

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1. Identify the right loan scheme – Choose the loan that best suits your business needs.

2. Gather required documents – Business registration, financial statements, and project details.

3. To apply, visit your nearest DFCC branch or contact us 24/7 on 011-2350000

4. Existing business customers – simply speak with your relationship manager

Frequently Asked Questions (FAQs)

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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

  • · ADB-funded SME and tea sector loans

  • · E-Friends II and SMILE III revolving funds

  • · 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

Yes, DFCC Bank offers government and ADB-funded SME loans, such as:

  • · SMELoC - SME (ADB)

  • · SMELoC - Tea (ADB)

  • · SMILE III Revolving Fund

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. You may also begin the application process online right now.

Terms & Conditions

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Downloads

DFCC SME Loan Brochure→Business Loan Application Form→DFCC SME Financing Guide→
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Give Us a call on

011-2350000

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