State Bank of Pakistan segregates SME into Small Enterprises & Medium Enterprises to allow them certain benefits

Small Enterprises:

* including contractual employees

However, in cases where an entity fulfills one parameter of SE and its second parameter falls within the range prescribed for medium enterprise (ME) or above the upper limit prescribed for ME, then the subject entity shall be classified as ME or commercial/corporate entity as the case may be.

Medium Enterprises:

Medium Enterprise (ME) is a business entity, ideally not a public limited company which meets the following parameters:

*In cases where an entity fulfills one parameter of ME and its second parameter falls above the upper limit prescribed for ME, the subject entity shall be classified as commercial/corporate entity as the case may be. (For complete PRs, Click here ):

Eligibility Criteria for SME Clients:

Stated below are the minimum parameters for prospective borrowers that meet the minimum criterion of qualifying for obtaining financing from our SME division.

Please note that these requirements only represent a reasonable benchmark for eligibility and their fulfilment does not guarantee approval of finance. Bank on its discretion can vary these benchmarks on case to case basis as per its internal policies and holds the final right to accept/reject a loan application.