Strengthening the SME sector, we offer hassle-free short-term SME loans for business entities and entrepreneurs in order to ensure the financial stability of their businesses.

SME Loans

The objectives of the SME Loans are to create a dynamic SME sector, enhance it’s capabilities and competitiveness, create jobs and, in doing so, reduce poverty

What is the procedure of AMF in granting a SME loan?

There is no pre planned method in granting a SME loan since there are several kind of people who do different types of business. What we do is, we analyse their business and requirement with different
aspects and grant the loan for the requirement.

There is no range specified but we inspect and decide the clients capability other than his requested amount

Who can obtain these loans?

AMF consider granting SME loans for number of industries including Carpenter, Clay works, fishery and agriculture, Yoghurt manufacturers, etc…The person who requires the loan must not be new to the business. The business must be an ongoing one.

What are the documents required to obtain a SME Loan?

There is no proper list of documents. It depends on the business and the requirement.

Loan Repayment

The repayment period would be 10 years.The interest rate applicable will be the Average Weighted Deposit Rate (AWDR) announced by the Central Bank biannually.

Loan Repayment

Special educational loans for foreign university studies

We provide financial assistance for the students wishing to study in foreign universities. The amount of loan will depend upon the type of degree that you are studying and your status (dependent or independent).

Loans on Promisory notes

These are short term loans to cover different aspects of requirement mostly focus on corporate clients.
The documents required are BR, current account statements, financial statements and sometimes a security for the loan



AMF is a registered finance company with the Monetary Board of the Central Bank of Sri Lanka under the Finance Business Act No. 42 of 2011