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HBL PhoneBanking     111-111-425

SME Banking

SME's play a key role in the economic development of any country. SME's are the prime engine for employment generation and poverty reduction in Pakistan. HBL therefore envisages itself to be the key lender to SME businesses across the country. HBL's proactive customer relationship management and a strong program lending approach with innovative product development has allowed the bank to differentiate itself in the country's SME sector. At HBL, our aim is to provide quick, easy and a convenient experience to our customers. We have an extensive network of credit hubs across the country to reach out and serve our SME borrowing customers in an efficient manner. We have also created a set-up of dedicated trade teams in key trade areas in order to better serve trade based customers.


We cater to the needs of our customers through provision of the following services:

  • Deposit and Savings Accounts

  • Transaction Banking Services

  • Working Capital Finance

  • Trade Finance in both PKR and FCY

  • Project / Expansion Finance

  • Receivables Discounting

  • Letters of Guarantee

  • Cash Management Services

  • Bulk Payments Solutions including Cash Over Counter

  • Payroll Management Solutions​

    In order to facilitate and support the SME sector, SBP has offered refinance schemes for various segments. Please click below or visit your nearest branch for further details.

    Important Documents

    Handbook on Long Term Financing Facilities – Details.pdf  
    Size: 228 KB
    Latest circular - Long Term Financing Facilities.pdf  
    Size: 183 KB