1. Sustainable Financing – SME loans tailored for environmentally friendly industrial projects and pollution reduction initiatives.

2. Two Loan Components – General Loan for equipment and environmental projects, Technical Assistance Loan for consultancy services.

3. Affordable Interest Rates – 6.5% p.a. fixed (GL) and 2% p.a. fixed (TAL).

4. Flexible Loan Amounts – Borrow up to LKR 30 million (GL) or LKR 1 million (TAL).

5. Long Repayment Period – Maximum 10 years (GL) and 5 years (TAL) with grace periods.

6. Debt-to-Equity Ratio of 75:25 – Ensuring affordability for businesses.

7. Special Concessions – Support for businesses adopting hazardous substance elimination and energy-efficient practices.

To qualify for the E-Friends II - Revolving Fund, applicants must:

Be an industrial enterprise operating in Sri Lanka, including:

• Sole proprietorships, partnerships, private limited companies, and co-operative societies.

• Businesses with fixed assets (excluding land and buildings) not exceeding LKR 250 million after project completion.

Meet equity contribution requirements

• Minimum 25% equity contribution towards the project.

Comply with environmental safety standards

• Investments must align with national environmental regulations and pollution control measures.

Eligible Projects

• Installation of pollution control systems (e.g., wastewater treatment, air filtration).

• Adoption of energy-efficient machinery to reduce carbon footprint.

• Waste reduction and resource recovery initiatives in industrial operations.

• Elimination of hazardous substances (e.g., phasing out asbestos, chemicals, CFCs).

• Relocation of highly polluting industries to eco-industrial zones with waste treatment plants.

Implementation of environmental monitoring technology for regulatory compliance

1. Ensure your business meets the industrial sector requirements and environmental compliance criteria.

2. Prepare a Project Proposal that outlines your environmental improvement initiatives.

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.

• Project Proposal detailing environmental objectives.

• Invoice/Quotations for equipment or services.

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

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

• Supporting Bank Statements.

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

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

1. Who is eligible for the E-Friends II (RF) facility?

• Industrial enterprises with fixed assets (excluding land/buildings) below LKR 250 million.

• Businesses aiming to improve environmental sustainability and comply with pollution control standards.

2. What is the maximum loan amount?

• LKR 30 million under the General Loan component.

• LKR 1 million under the Technical Assistance component.

3. Can I apply for both loan components?
Yes, businesses can apply for both GL and TAL if the project requires environmental consultancy services alongside equipment financing.

4. Do I need to offer collateral?
The bank may request suitable collateral depending on the loan type and amount.

5. What are the main eligible investments?

• Equipment for pollution reduction, energy efficiency, and hazardous waste elimination.

• Consultancy services for environmental audits and regulatory compliance.

• Projects supporting sustainable resource use and waste management.

6. How long is the loan repayment period?

• General Loan: Up to 10 years, including a 2-year grace period.

• Technical Assistance Loan: Up to 5 years, including a 1-year grace period.

7. What documentation is required?
Applicants must provide a project proposal, business registration documents, financial statements, environmental licenses, and supplier invoices.

8. Who should I contact for more details?
Visit the nearest DFCC Bank branch or call us 24/7 on 0112 350000 for further assistance.

E-Friends II - Revolving Fund T&C

• SMILE III - Revolving Fund

• SMELoC - Tea (ADB)

• DFCC SAHAYA Loan Scheme (MSME)

• E-Friends II Loan Application Form

• DFCC SME Loan Brochure