Commercial/Project Lending



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.

Commercial Project Lending


Export the goods and services you produce to destinations around the world with Export Loans from HNB.

Committed to understanding your needs and helping you achieve your business goals, HNB Export Loans are granted solely on the strength of your present business to help you expand your operations on a global scale.

For details visit your nearest HNB branch or call Suranga - 0773 648 569.

A loan scheme launched in collaboration with the Sri Lanka Export Development Board.


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.  



  • 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.



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



Our dedicated staff will be happy to clarify or advise you on any SME funding related issues or new facilitating negotiations on 24 / 7 basis.

The following staff members could be contacted at our Head Office, Level 17 (HNB Towers).

We have over 250 Customer Centres spread across the length and breadth of Sri Lanka together with 10 SME Cells to give financial solutions as well as technical support to the SME sector.


Region Name Phone Branch
UVA/Sabaragamuwa Shermal 077 2857159 Rathnapura
South Western Rangana 077 3622147 Kottawa
Southern Pradeep 077 3650072 Matara
Northern Sivaraman 077 9789426 Jaffna
North Western Ishantha 071 5333457 Negombo
Greater Colombo Nishantha 077 2848605 Panchikawatte
Eastern Sathhes 077 2111878 Batticaloa
Central Rasika 077 9400292 Kandy
Colombo Gabrial 077 6033300 Head Office

Commercial/Project Lending

How can I get this product?


Do you have more questions?

Call us at

0112 462 462

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