SE Financing & Credit Guarantee Scheme for Special Persons

Under the State Bank of Pakistan’s special initiative, this scheme enables special persons to establish or expand their small enterprises through affordable financing, backed by a credit guarantee. It provides long-term support for local and imported machinery, generator purchase, or business setup, contributing to financial inclusion and self-reliance.

Overview – SE Financing & Credit Guarantee Scheme for Special Persons

This refinance and guarantee scheme provides financing for:

Local purchase or import of new machinery
Balancing, Modernization, and Replacement (BMR) of existing SME units
Setting up of new SME units
Purchase of new generators

Financing available only through LC for imported plant and machinery
Financing covers C&F value (for imported) and ex-factory/showroom price (for local machinery)
Markup rate for end user: 6%
SBP refinance rate: Up to 100% at 2%
Maximum tenor: Up to 10 years, including a grace period of 6 months
Collateral: As per Allied Bank’s credit policy