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​