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Refinance Schemes

The Business Refinance Scheme aims to revitalize the SME sector by offering accessible financing solutions for growth and stability. It supports businesses in upgrading operations, improving efficiency, and meeting long-term capital and working capital needs.

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Supporting small and medium enterprises with accessible financing to expand operations, invest in technology, and strengthen long-term business growth.

Eligibility 

This facility is available for SMEs with an annual turnover below LKR 1 Bn and employees below 200.All sectors are eligible except Trading, Leasing and Renting. 

Priority Sectors

  • Exports
  • Manufacturing
  • Agri value-added businesses
  • Tourism
  • Women-led enterprises
  • Environmentally sustainable businesses 

Loan Details

Maximum Loan Amount - Up to LKR 25 Mn 

Interest Rate - 5.0% p.a. (Fixed) 

 

Eligible Financing Purposes

 

1. Capital Expenditure (CAPEX)

  • Purchase of machinery and equipment
  • Construction or refurbishment (finishing stages only)
  • Solar installations and energy-efficient equipment
  • Adoption of new or advanced technologies to enhance business processes

2. Working Capital

  • Permanent working capital requirements such as stock financing
     

Facility Tenor

CAPEX Financing - Up to 10 years, with a grace period of up to 1 year depending on the project Working Capital Financing - Up to 3 years

Eligible Sectors : All  Micro, SME, Large Enterprises affected by Cyclone Ditwah.

Purpose : Working Capital requirement 

Interest rate : 3 % p.a.

Tenor : 03 years with 06 month grace period( if required)

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