SME Banking

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Partnering the rise of an entrepreneurial nation

Recognizing the importance of small and medium scale entrepreneurs to the growth of our national economy, Hatton National Bank is now positioning itself as the Small & Medium Enterprise Development Partner of SMEs islandwide in an attempt to foster sustainable development in Sri Lanka. Offering a full range of financial solutions together with all the benefits and advantages that only HNB can offer, this endeavour provides individuals engaged in different types of businesses with the opportunity to realize their full potential and achieve their goals of business expansion and personal growth. In line with His Excellency the President's vision of making Sri Lanka the next "Miracle of Asia", this endeavour revolutionizes SME banking by providing small and medium scale entrepreneurs with a stable economic platform on which they can start or expand their businesses.

Launched with the intention of raising small and medium scale enterprises to a national level by building a stronger and more structured SME community, HNB has specially tailored the benefits offered by this programme for our country's budding industrialists. Widely acknowledged as a positive and very significant contributor to the overall economy and development of the country, SMEs have made their impact felt by creating employment opportunities, increasing exports and by generating a higher national revenue each year.

Classified as any enterprise with a published sales turnover of less than LKR 140 Million, SMEs have long since made their impact felt on the national consciousness and today play a pivotal role in the economic growth and development of our nation. As the Small & Medium Enterprise Development Partner of Sri Lankan entrepreneurs, HNB will initially start this venture by offering support to new, existing and start up ventures in the agro industries, animal husbandry, horticulture, food processing, fisheries, construction, wood based products, retail and other small service business categories.

HNB has been serving the SME segment from its early days and has a track record in Development Banking and Micro Lending spanning over 20 years

The Small & Medium Enterprise Development Partner of our nation, HNB, now offers small and medium scale entrepreneurs a full range of financial solutions and benefits to start or expand their businesses in a manner that will benefit both them and our nation.

Business enterprises supported under this scheme

• Agro Industries
• Animal Husbandry
• Horticulture
• Food Processing
• Fisheries
• Wood-based Products
• Construction
• Retail and other small service-related businesses

Benefits for HNB Small & Medium Entrepreneurs

• 90-day standby facility that provides up to 10% of the approved facility limit for small scale entrepreneurs
• Waiving of cheque book charges for entrepreneurs who maintain stipulated balances
• Credit cards for small and medium scale entrepreneurs free of joining fee
• Free POS machines for retail businesses

Benefits for NEW Small & Medium Entrepreneurs

• Discounts on published rates for SME takeover clients
• Discounts on published rates for start up ventures
• Further discounts on interest rates based on customer risk rating
• Special Help Desk in the legal division to assist in clearance of legal documents and to expedite the execution of mortgage bonds
• Concessionary Legal Documentation Fees
• All start up ventures, including those seeking finance for business improvements, will receive a 6 month grace period on term loans
• Discounted Valuation Fees
• All start up ventures, including those seeking finance for business improvements, will receive a 6 month grace period on term loans
• Visa Debit Card free of issuing charges
• Free Life and Accidental Death Cover
• Free Internet Banking
• Discounted fees and commissions on offer

*Conditions apply