1. Flexible Loan Options – Provides long-term investment loans, non-collateralised working capital loans, and joint loans.

2. Substantial Loan Quantum – Borrow up to LKR 30 million (with grant) or LKR 50 million (without grant).

3. Long Repayment Period – Tenure of up to 5 years, including a 24-month grace period.

4. Targeted SME Support – Special focus on businesses outside the Colombo District, first-time borrowers, and those requiring non-collateralised working capital loans.

5. Competitive Interest Rates – Rates based on loan tenure and customer risk rating.

To qualify for the SMELoC - SME (ADB) Loan Scheme, applicants must:

Be a registered SME with:

• Annual turnover less than Rs. 1000 million.

• Having less than 200 employees if in manufacturing sector or service sector

• Exclusions: Trading, leasing, and renting businesses are not eligible.

• At least 51% of ownership must be controlled by women.

OR

• Meet all three of the following criteria:

  At least 20% ownership controlled by a woman.

  A woman holds the CEO or COO position.

  At least 30% of board members are women (if applicable).

Priority SMEs:

• Businesses outside Colombo District (or Colombo-based first-time borrowers seeking non-collateralised working capital loans).

• Utilising the loan for working capital without pledging fixed or financial assets.

SMEs with no prior borrowing history from a licensed commercial or specialised bank.

• Investment in fixed assets – Machinery, equipment, infrastructure upgrades.

• Working capital financing – Funds for day-to-day business operations.

• Business expansion & modernisation – Scaling up operations, digital transformation.

• Sustainable business initiatives – Environmental, social, and governance-focused projects.

1. Confirm Eligibility – Ensure your business meets the SME registration criteria and turnover/employee limits.

2. Obtain We-Fi Certification (if applicable) – If applying under the Women Entrepreneurs Finance Initiative, verify eligibility with the required documentation.

3. To Apply – visit your nearest DFCC branch or contact us 24/7 on .

• Completed Loan Application.

• Copy of Business Registration Certificate / NIC of applicants.

• Certificate of Registration (For Sole Proprietorship & Partnership).

• Form 01 & Related Documents (For Private Limited Companies).

• Financial Statements (Audited/Certified/Management reports).

• Supporting Bank Statements (Income verification).

• Supplier Invoices/Quotations/Certified BOQs (For project financing).

• Valid Environmental Protection Licenses (EPLs) (if applicable).

• Any additional documents as may be required by DFCC Bank.

1. Who is eligible for the SMELoC - SME (ADB) Loan Scheme?

• SMEs with annual turnover below LKR 1000 million having less than 200 employees if in manufacturing sector or service sector

2. What are the loan amounts available?

• LKR 50 million (for non-grant borrowers).

3. Are non-collateralised working capital loans available?
Yes, SMEs can obtain non-collateralised working capital loans if they meet eligibility requirements.

4. How long is the repayment period?

• Up to 5 years, with a 24-month grace period.

• All loans must be repaid before 01.06.2030.

5. What industries are prioritised under this scheme?

• Agriculture, Agro-processing, Manufacturing, Fisheries, Tourism, Animal Husbandry, and Export-Oriented businesses.

6. Do I have to offer collateral for this loan?
DFCC Bank may request suitable collateral, depending on the loan type and amount.

7. What documents are required for loan approval?
Applicants must submit a business registration certificate, financial statements, bank statements, and supplier invoices/quotations.

8. Who should I contact for more information?
Visit the nearest DFCC Bank branch or call us 24/7 on 0112 350000 for further assistance.

DFCC SMELoC - SME (ADB) Loan Scheme T&C

• SMELoC - Tea (ADB)

• E-Friends II - Revolving Fund

• SMILE III - Revolving Fund