Business Banking

Faysal Bank Commercial & SME Banking

FBL's SME product suite, from working capital financing to SBP-subsidised refinance schemes.

Working capital & term financing
Supply Chain Finance
SBP subsidised schemes

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University) · Reviewed: August 16, 2026

Faysal Bank's Commercial & SME Banking arm (CBSME) offers working capital, trade, and supply chain financing sized for small and medium businesses.

Channels SBP subsidised refinance schemes to eligible SMEs
Supply Chain Finance funds vendors against confirmed purchase orders
LAF-SME facility supports capacity expansion and BMR
Free downloadable Financial Templates for loan applications

Faysal Bank's Commercial & SME Banking (CBSME) arm serves businesses that have outgrown a basic current account but aren't large enough for the Corporate Banking desk covered on our Corporate & Investment Banking page. It runs on the same Shariah-compliant structures as the rest of the bank, with a product suite built specifically around working capital, trade, and government-subsidised schemes for smaller businesses.

Core SME Product Suite

Asset Products

Working capital and term financing facilities sized for SME balance sheets, structured on Islamic modes such as Murabaha, Musawammah, and Diminishing Musharakah.

Supply Chain Finance

Financing anchored to a buyer or supplier relationship, letting SME vendors and distributors access funding against confirmed purchase orders or invoices from larger corporate partners.

Trade Financing

Letters of Credit, guarantees, and collection services sized and priced for SME-level trade volumes, distinct from the corporate trade desk.

Fleet Finance

Vehicle financing for SME-owned commercial fleets, on the same Diminishing Musharakah basis used across FBL's auto finance products.

What SBP Incentive Schemes Does Faysal Bank Offer SMEs?

Faysal Bank participates in the State Bank of Pakistan's subsidised refinance schemes for small and medium enterprises, channelling below-market financing to eligible SMEs under SBP's policy framework — the same category of scheme covered elsewhere on this site for agri financing (Electronic Warehouse Receipt Financing) and, for exporters, the wider SBP export refinance facilities referenced in Faysal Bank's own financial statements.

Long-Term Advances Facility (LAF) for SMEs

A dedicated LAF-SME facility gives eligible small and medium enterprises access to long-term financing for capacity expansion, balancing, modernisation, and replacement (BMR) of plant and machinery, on terms structured under SBP's Islamic refinance framework.

Getting Started

Faysal Bank publishes downloadable Financial Templates for SME borrowers to prepare their loan application financials, and provides a dedicated introduction and product-selection page for businesses working out which facility fits their needs before approaching a branch or Relationship Manager.

Frequently Asked Questions

What SME financing does Faysal Bank offer?

Faysal Bank's Commercial & SME Banking arm offers working capital and term Asset Products, Supply Chain Finance, SME-level Trade Financing, Fleet Finance, and access to State Bank of Pakistan subsidised refinance schemes, all structured on Islamic financing modes.

How is Faysal Bank's SME banking different from its Corporate Banking?

Commercial & SME Banking (CBSME) serves smaller businesses with financing sized and priced accordingly, while the Corporate & Investment Banking Group handles larger corporate clients, syndicated financing, and capital markets transactions.

Good For

Seeing the full SME product suite in one place
Understanding how SBP subsidised schemes fit into FBL's SME offering
Finding Supply Chain Finance and Trade Financing sized for SMEs
Distinguishing SME banking from the Corporate & Investment Banking desk

Want the exact terms for your situation?

Speak to Faysal Bank directly — terms, eligibility, and pricing vary by relationship and are confirmed at application.

Visit Faysal Bank Official Website See FABL Bank Profile