Last updated on 18/03/2020
SME(Small & Medium Enterprise) Loan

Sonali Bank Limited emphasizes highest priority on SME financing for eliminating poverty by increasing SME loan flow at economically underdeveloped area and peoples. Setting up priority base SME credit Policy for Women and underprivileged entrepreneurs, Sonali bank working for the improvement of their socio-economic condition.

Lending Policy:


Loan Limit:
BDT 50,000/-(Fifty thousand) to BDT 500,000,00/-(Five crore)



Criteria of Borrower:

  • Bangladeshi Citizen minimum 18 (eighteen) years old;
  • Loan defaulter, Bank-rupt, Mentally wreaked person cannot apply for loan;
  • Women Entrepreneurs highly encourage to apply.



Nature of Project/Enterprise:

  • Proprietorship Enterprise;
  • Registered Partnership Enterprise;
  • Private Limited Company;
  • Joint Venture Company except Public Limited Company.



  • The collateral security free loan limit for male entrepreneurs is upto Tk. 5 lac.
  • The collateral security free loan limit for women entrepreneurs is upto Tk. 10 lac.




  • Project/Term Loan: Maximum 5 years (project period may flexible according to Project nature)
  • Working capital/Trading Loan : 1 year, renewable at the end of period.


Loan: Equity Ratio:

  • Project/Term Loan: 70:30
  • Working capital/Trading Loan : 75:25



Repayment procedure:

  • Project/Term Loan: monthly/quarterly basis repayable within loan period.
  • Working capital/Trading Loan: Daily basis or fully repayment within loan period.

All branches of Sonali Bank Limited disburse SME loan.

SME related circular of Sonai Bank Limited (click here)

Download Loan Application form in Bangla