SME Bank Limited

SME Bank Limited Pakistan specializes in financing solutions. The bank supports Small and Medium Enterprises (SMEs). Its core offerings target both short-term and medium-term financing needs.

Core Financing Products

The Smart Loan product offers short-term financing. Amounts range from PKR 50,000 to PKR 500,000. Its tenor is 3 months to 3 years. Eligibility uses cash-flow based calculations. These consider the borrower's monthly revenue streams. Repayment occurs via fixed monthly installments. An automated schedule generates these payments.

Assets Finance provides medium-term financing. It supports amounts from PKR 50,000 to PKR 75 million. The tenor is 1 year to 4 years. This product requires dual collateral. It includes a movable asset lien. A personal guarantee is also necessary. Flexible repayment modes are available. These include monthly or quarterly installments. Payments are computed on a declining principal balance.

Digital Tools and Efficiency

Both financing products incorporate an in-house Automated Credit Scoring Engine. This engine integrates real-time eCIB data. It adjusts pricing spreads dynamically. This ensures efficient risk assessment.

A proprietary Digital Application Portal expedites disbursements. Smart Loan approvals complete within 10 days. Assets Finance approvals take 30 days. This portal streamlines the application process.

Specialized SME Solutions

SME Bank Limited focuses on proprietary, branded products. These address working capital needs for SMEs. They also facilitate medium-term asset acquisition. The bank uses advanced systems for operational efficiency.