1. Flexible Repayment Terms – Loan tenure of up to 10 years based on business cash flow.

2. Customised Instalments – Repayment schedules designed to match business revenue cycles.

3. Concessionary Interest Rates – Special rates under certain refinance and subsidy schemes.

4. Asset Acquisition Financing – Funding for property, plant, machinery, and equipment.

5. Business Expansion Support – Ideal for new businesses, expansions, diversification, and modernisation.

6. Specialised Financing & Advisory – Support for industry-specific projects and tailored financial solutions.

7. Dedicated Support for SMEs – Access to special loan schemes for small businesses and emerging entrepreneurs.

• Small and medium enterprises (SMEs) looking for financing to expand or modernise operations.

• Businesses needing capital for construction, asset purchase, or working capital.

• Entrepreneurs seeking customised financing solutions tailored to their business needs.

1. Prepare a strong business plan/project proposal to support your case.

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

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

• Completed Loan Application.

• Business Plan/Proposal outlining objectives and financial requirements.

• Invoice/Quotations for planned purchases.

• 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 requested by DFCC Bank.

1. Who is eligible for a DFCC SME Term Loan?

Small and medium enterprises (SMEs) seeking capital for expansion, modernisation, or new projects.

2. What is the maximum repayment period?

Loan repayment terms extend up to 10 years, depending on business cash flow and project feasibility.

3. Can the loan instalments be structured to match business income?

Yes. Instalments are customised to align with cash flow generation and business revenue cycles.

4. Are there special interest rates available?

Yes. Concessionary interest rates may be available under certain refinance or subsidy schemes, if you qualify.

5. What business expenses are covered under this loan?

Construction costs, land/building purchases, plant and machinery acquisition, equipment purchases, and working capital.

6. Do I need collateral for this loan?

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

7. How do I apply for a DFCC SME Term Loan?

Visit a DFCC Bank branch and consult a Relationship Manager to start the application process. You can also begin the application process online right now.

8. Who can I contact for more information?

Call us 24/7 on 0112 350000 or visit the nearest DFCC Bank branch.

DFCC SME Term Loans T&C

• SMILE III - Revolving Fund

• DFCC SAHAYA Loan Scheme (MSME)

• Kapruka Ayojana Credit Scheme

• DFCC SME Loan Application Form

• DFCC SME Loan Brochure