1. Flexible SME Loan Amounts – Borrow from LKR 300,000 to LKR 4 million.

2. Micro Loan Support – Loans under LKR 300,000 considered on a case-by-case basis.

3. Extended Repayment Terms – Up to 5 years for manageable repayments.

4. Supports New & Existing Businesses – Financing for startups and business expansion.

5. Encourages Innovation – Focus on rural businesses, eco-friendly projects, and IT-based ventures.

6. Priority for High-Impact Sectors – Special preference for businesses that generate employment and support local industries.

7. Access to Additional Financing – Eligible businesses can secure additional loans based on successful repayment and business performance.

The DFCC SAHAYA Small Business Loan Scheme is available to:

Micro, small, and medium-scale entrepreneurs (MSMEs) in rural areas.

Individuals aiming to start a new business or expand an existing business.

Entrepreneurs with innovative ideas using local resources, IT-based products, and eco-friendly initiatives.

Youth, women, skilled workers, differently-abled persons, and young graduates with viable business proposals.

Micro Loans are evaluated based on:

• Business innovation – The uniqueness of the business idea.

• Entrepreneurial and technical skills of the applicant.

• Market demand for the proposed product/service.

• Marketing and packaging strategies.

• Employment generation potential.

• Appropriateness of technology used.

• Financial and technical feasibility of the business.

• Environmental impact considerations.

• Strength of the business plan and expected profitability.

All revenue-generating businesses in agriculture, industry, and services are eligible.

Agriculture

• Fruit and vegetable processing

• Plant nursery development

• Organic farming and fertilizer processing

• Dairy and poultry farming

• Post-harvest technology

Industry

• Welding and metal fabrication

• Garment manufacturing

• Concrete work, paving, and interlocking

• Leather goods production

• Plastic and rubber processing

• Gem cutting and polishing

Services

• Agricultural product collection centres

• Tourist services, restaurants, and entertainment businesses

• Gardening and landscaping

• Beauty culture, preschools, and daycare centres

• IT services, printing, and software development

• Mobile phone, electronic, and computer repairs

• Refrigeration and air-conditioning services

• Motorcycle and cycle repair

Further Micro Loans in Sri Lanka

Entrepreneurs who successfully repay their initial loan and demonstrate business growth may qualify for additional financing at a moderate interest rate.

1. Ensure you meet the MSME criteria and one or more business sectors in focus.

2. Prepare a Business Proposal that includes financial plans, market strategy, and operational details.

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

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

• Completed Loan Application.

• Business Plan/Proposal outlining objectives and projected growth.

• Invoice/Quotations for business-related purchases.

• Copy of Business Registration Certificate (BRC) or applicant’s NIC.

• Financial Statements (Audited/Certified/Management reports).

• Supporting Bank Statements.

• Environmental Protection Licenses (EPLs) (if applicable).

• Any additional documents as may be required by DFCC Bank.

1. Who is eligible to apply for a DFCC SAHAYA loan?

• Micro, small, and medium-scale entrepreneurs in agriculture, industry, or services.

• Individuals planning to start a new business or expand an existing business.

2. What is the minimum and maximum loan amount?

• Loan amounts range from LKR 300,000 to LKR 4 million.

• Smaller loan amounts below LKR 300,000 may be approved case-by-case.

3. What is the repayment period for the loan?

• Loans are repayable over a maximum of 5 years.

4. What types of businesses are given priority?

• Innovative village-based businesses using local resources.

• IT-based startups and eco-friendly projects.

• Agricultural, industrial, and service-based enterprises with growth potential.

5. Can I apply if I don’t have a registered business?
Yes, but you will need to register the business before receiving loan approval.

6. Do I need to provide collateral for the loan?

The bank may request suitable collateral based on the loan amount and risk assessment.

7. What documents are required to apply?

Business proposal, financial statements, invoices, and identification documents.

8. Can I apply for additional financing?

Yes. Entrepreneurs who successfully repay their initial loan may qualify for further financing.

9. How do I apply for the DFCC SAHAYA loan?

Visit the nearest DFCC Bank branch to discuss your proposal with a Relationship Manager.

10. Who can I contact for more information?

Visit your nearest DFCC Bank branch or call us 24/7 on 0112 350000.

DFCC SAHAYA Loan Scheme T&C

• SMILE III - Revolving Fund

• Business Term Loans

• SMELoC - SME (ADB)

• DFCC SAHAYA Loan Application Form

• DFCC SME Loan Brochure