BUSINESS






Overview

 

Small and Medium Scale Enterprise (SME) customers represent individuals, sole proprietorships, partnerships and limited liability companies  that are engaged in varying business sectors of the Sri Lankan economy. At present, any entity with a total Bank’s Exposure of less than Rs.200 million is considered a SME and is managed by a separate team under SME Banking, which is  one of the biggest lending verticals of HNB.

Features

Facility packages are designed according to the requirement of each individual project/business. Packages include options for long term loans, bank overdrafts, facilities for import and export trade, short term loans etc.

Our vision is to provide a solution for every need, not only for businesses but also for their employees, debtors, creditors and other stakeholders  by offering a variety of products available and thereby finding  complete solutions  for SMEs.  

Benefits


  • Business improvements and new banking relationships for start-up businesses.
    • Concessionary interest rates.
    • Flexible repayment terms including the provision of grace periods up to 2 years.
    • Discounts on legal documentation fees.
  • Faster delivery channels through Regional SME Cells based in 10 regions across the country.
  • Availability of 10% of the approved facility as a stand by facility, for existing customers of the Bank to help meet urgent/temporary requirements of the business.
  • A clear path for gradual growth of any business from Micro level to Corporate Banking activities.
Eligibility

 

Any business entity in manufacturing, trading, agri and services will be  eligible for both capital and working capital funding under the HNB SME Scheme.




Overview

 

Small and Medium Scale Enterprise (SME) customers represent individuals, sole proprietorships, partnerships and limited liability companies  that are engaged in varying business sectors of the Sri Lankan economy. At present, any entity with a total Bank’s Exposure of less than Rs.200 million is considered a SME and is managed by a separate team under SME Banking, which is  one of the biggest lending verticals of HNB.

Features

Facility packages are designed according to the requirement of each individual project/business. Packages include options for long term loans, bank overdrafts, facilities for import and export trade, short term loans etc.

Our vision is to provide a solution for every need, not only for businesses but also for their employees, debtors, creditors and other stakeholders  by offering a variety of products available and thereby finding  complete solutions  for SMEs.  

Benefits

  • Business improvements and new banking relationships for start-up businesses.
    • Concessionary interest rates.
    • Flexible repayment terms including the provision of grace periods up to 2 years.
    • Discounts on legal documentation fees.
  • Faster delivery channels through Regional SME Cells based in 10 regions across the country.
  • Availability of 10% of the approved facility as a stand by facility, for existing customers of the Bank to help meet urgent/temporary requirements of the business.
  • A clear path for gradual growth of any business from Micro level to Corporate Banking activities.