Commercial/Project Lending



Small and Medium Scale Enterprise (SME) customers represent individuals, sole proprietorships, partnerships and limited liability companies  that are engaged in varying business sectors of the Sri Lankan economy. At present, any entity with a total Bank’s Exposure of less than Rs.200 million is considered a SME and is managed by a separate team under SME Banking, which is  one of the biggest lending verticals of HNB.

Commercial Project Lending


Export the goods and services you produce to destinations around the world with Export Loans from HNB.

Committed to understanding your needs and helping you achieve your business goals, HNB Export Loans are granted solely on the strength of your present business to help you expand your operations on a global scale.

For details visit your nearest HNB branch or call SME Unit - 0112661771/0112664783/0112661709.

A loan scheme launched in collaboration with the Sri Lanka Export Development Board.


Facility packages are designed according to the requirement of each individual project/business. Packages include options for long term loans, bank overdrafts, facilities for import and export trade, short term loans etc.

Our vision is to provide a solution for every need, not only for businesses but also for their employees, debtors, creditors and other stakeholders  by offering a variety of products available and thereby finding  complete solutions  for SMEs.  



  • Business improvements and new banking relationships for start-up businesses.
    • Concessionary interest rates.
    • Flexible repayment terms including the provision of grace periods up to 2 years.
    • Discounts on legal documentation fees.
  • Faster delivery channels through Regional SME Cells based in 10 regions across the country.
  • Availability of 10% of the approved facility as a stand by facility, for existing customers of the Bank to help meet urgent/temporary requirements of the business.
  • A clear path for gradual growth of any business from Micro level to Corporate Banking activities.



Any business entity in manufacturing, trading, agri and services will be  eligible for both capital and working capital funding under the HNB SME Scheme.



Our dedicated staff will be happy to clarify or advise you on any SME funding related issues or new facilitating negotiations on 24 / 7 basis.

The following staff members could be contacted at our Head Office, Level 17 (HNB Towers).

We have over 250 Customer Centres spread across the length and breadth of Sri Lanka together with 10 SME Cells to give financial solutions as well as technical support to the SME sector.


Region Name Phone Branch

Mr.Rasika Krishantha

Mr.Harshana Dhanushka

071 211 3641

077 113 0917

South Western

Mr.Charitha Weerasinghe

Mr.Ramkalyan Rajarammohan


075 377 3042

77 255 5977


Mrs.Nafaza Shareef

Mr.Amila Witharanage 

077 902 1758

071 926 2169


Mr.Amirthalingam Amirthasoruban

Mr.Navaratnam Vetkaran

077 706 1892

077 2487594

Jaffna Metro
North Western

Mr.Ishantha Fernando

Mr.Shiran Peiris

071 5333457

072 790 5502

Negombo Metro
North Central

Mr.Tyron Perera

Mr.Eroshan Jayakadu

077 492 5162

071 888 4210


Greater Colombo

Mr.Angelo Keyser

Mr.Thilina Perera

076 838 6555

071 534 4385


Mr.Maheshan Jeyamohan

Mr.Surshkumar Nishanth

077 348 1006

077 446 6022


Mr.Chamara Rajapakse

Mr.Kasun Abeysinghe

0718 25 3185

0777 96 7607


Mr.Gabriel Francis

Mr.Saravanan Ramalingam

077 6033300

077 907 7869

Head Office

Commercial/Project Lending

How can I get this product?


Do you have more questions?

Call us at

0112 462 462

Quick Actions

  • minimize refresh