SME Loan – Sonali Bank PLC
Financing support for small and medium enterprises across Bangladesh. Designed to support growth, employment and entrepreneurship.
Loan Amount
From BDT 50,000 up to BDT 100 crore depending on business feasibility and capacity.
Collateral Benefit
Collateral‑free facility up to BDT 5 lakh for men and BDT 25 lakh for women entrepreneurs.
Loan Tenure
Project loans up to 7 years. Working capital loans renewable yearly.
Quick Eligibility Checklist
- Bangladeshi citizen aged 18+
- Valid trade or business registration
- No defaulted bank loans
- Basic business records or sales proof
- National ID and photographs available
- Clean CIB
Who Can Apply
- Bangladeshi citizen aged 18 years or above
- Defaulters or bankrupt persons are not eligible
- Women entrepreneurs are especially encouraged
Eligible Business Types
- Proprietorship
- Registered partnership
- Private limited company
- Joint venture company (except public limited)
Loan Details
Loan Limit
Loan amount starts from BDT 50,000 and can go up to BDT 100 crore depending on project size, feasibility and business capacity.
Collateral Facility
- Up to BDT 5 lakh collateral‑free for male entrepreneurs
- Up to BDT 25 lakh collateral‑free for women entrepreneurs
Loan Period
- Project or term loan: up to 7 years
- Working capital or trading loan: 1 year renewable
Equity Ratio
- Project loan: 60:40
- Working capital: 70:30
Repayment
- Term loan: monthly or quarterly installments
- Working capital: daily adjustment or full settlement within period
Bank Support & Availability
Sonali Bank gives strong priority to SME financing. The objective is simple but important. Encourage business activity. Reduce poverty. Help new entrepreneurs start and expand their business. The program also supports women and disadvantaged groups to improve their socio‑economic condition.
SME loans are available at all branches of Sonali Bank PLC throughout Bangladesh.