SymFinancing is an independent educational guide — not affiliated with any government, the State Bank of Pakistan, or any bank.

Business & SME loans

Guides to federal and provincial schemes that finance micro, small and medium businesses.

Schemes

Asaan Karobar CardPUNJAB

CM Punjab Asaan Karobar Card

An interest-free business card for small entrepreneurs in Punjab with a limit of up to Rs 10 lakh over three years. Spending is limited to business purposes and cash withdrawal is capped at 25% of the limit.

Run by Government of Punjab

Asaan Karobar FinancePUNJAB

CM Punjab Asaan Karobar Finance

Punjab's interest-free business finance for start-ups and existing businesses, in two tiers from Rs 10 lakh to Rs 3 crore, repayable over up to five years. Applicants must live and run the business in Punjab and be active tax filers.

Run by Government of Punjab

SMEConnectFEDERAL

SBP SMEConnect

The State Bank's single online portal for SME financing applications. Since 1 November 2026 all SME financing applications to banks and DFIs go through it. It is an application channel, not a loan product: the bank you choose sets the amount, markup and tenure, and approval is the bank's decision.

Run by State Bank of Pakistan

Guides

Loading guides…

SymFinancing is an independent educational guide — not affiliated with any government, the State Bank of Pakistan, or any bank.

Business & SME loans | SymFinancing