SME Loan
Empowering Small & Medium Enterprises Across Bangladesh
৳5L - ৳5Cr
Loan Amount
11% - 13%
Interest Rate
Collateral Free
Up to ৳35 Lac
1 - 5 Years
Loan Tenure
Fueling Your Entrepreneurial Journey
Whether you run a small shop or a manufacturing unit, we have the capital you need.
Grow your business from a small startup to a market leader. Advance Finance SME Loan supports traders, manufacturers, and service providers across Bangladesh. We understand the pulse of small businesses and offer flexible financing to bridge cash flow gaps, purchase inventory, or expand operations.
Tailored For Your Business
Diverse financing options for every business need
Working Capital
Inventory Finance
Funds to purchase raw materials, stock up on inventory, and meet day-to-day operational expenses.
Business Expansion
Grow Bigger
Capital for opening new outlets, renovating existing shops, or expanding your market reach.
Capital Machinery
Asset Purchase
Term loans for purchasing factory machinery, equipment, vehicles, or upgrading technology.
Women Entrepreneur
Special Schemes
Preferential interest rates and easier terms for women-owned businesses to encourage entrepreneurship.
Collateral Free
Easy Access
Small businesses can avail up to ৳35 Lac based on credit assessment without providing property collateral.
Seasonal Loan
Festival Demand
Short-term loans to help you stock up for Eid, Puja, or Pahela Baishakh sales seasons.
Eligibility Criteria
Check if your business qualifies
General Requirements
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Business Age: Minimum 2 years of operation
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Owner Age: 25 to 65 years
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Turnover: Minimum annual turnover ৳20 Lac
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Documentation: Valid Trade License
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Credit History: Clean CIB (No defaults)
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Location: Permanent business address
Required Documents
Paperwork needed for application
Business Proof
- Up-to-date Trade License
- Partnership Deed (if applicable)
- Memorandum & Articles (for Ltd Co.)
- TIN Certificate & Tax Return
Personal Proof
- NID of Proprietor / Partners / Directors
- Recent Passport Size Photographs
- Utility Bill of Residence
Financial Proof
- Last 12 Months Bank Statement
- Audited Financials (for large loans)
- Sales Data / Stock Report
SME Loan Calculator
Estimate your business loan repayment
Loan Summary
Actual EMI may vary based on business type, credit rating, and grace period offered (if any).
Disclaimer: Interest rates (11%-13%) are subject to change based on Bangladesh Bank regulations, market conditions, and business credit profile. Terms and conditions apply. Rates effective as of July 2026. Please contact our nearest branch for the most current rates and complete terms.