About SME Banking

Small and Medium Enterprises (SME) are a priority among economic development goals, in both developed and emerging economies. SMEs are a primary driver for job creation and GDP growth. They contribute to economic diversification and social stability while playing an essential role in private sector development.

HABIBMETRO Bank provides financial inter-mediation to SMEs for varied requirements, including long-term and short-term financing working capital, trade-based and other structured loans.

Definition of SMEs (Small & Medium Enterprises)

Small Enterprises

A Small Enterprise (SE) is a business entity, which meets both the following parameters:

A Small Enterprise can avail financing up to Rs 25 million from a single Bank/DFI or from all Banks/DFIs.  No need to mention here, as it is a process of credit evaluation

Medium Enterprises

Medium Enterprise (ME) is a business entity, ideally not a public limited company, which meets the following parameters:

Who Can Apply and For What Purpose?

Sole proprietors, partnership firms and all other legal entities can apply for SME financing as per the mentioned criteria. This financing can be obtained for setting up a new business and/or expansion of the existing business.