In order to ensure continuous cash flow for procurement of additional or incremental requirement of consumer goods, as and when needed, continuous loan facility proves to be quite crucial factor for business sustainability. Accordingly, in order to assist to continue regular business activities, Dhaka Bank SME is equipped with “Overdraft Loan” facility (OD Loan), renewable on a yearly basis. OD Loan is extended to SME Customers keeping their respective business nature, purpose of requirement, viability as well as feasibility under consideration.

Businesses that basically revolves and depends on specific time period of a year, having seasonal impact, require such credit facility, where, the customer is allowed a loan facility for a specific term, to be utilized for smooth operation of his respective business to flourish and at the end of the season, the customer is to pay off in full after due tenor. Dhaka Bank SME offers such, “Demand Loan” in form of “one-off” or ”revolving” facilities.

In order to facilitate business community belonging to small and medium segment, to assist increasing their respective business portfolio and financial asset, a specific loan facility, for a tenor ranging from 1 (One) year to 7 (Seven) years, is available in form of “Term Loan” facility, to be adjusted on installment basis. Dhaka Bank offers Term Loans for Small Enterprises for a tenor of 2 years and Medium Enterprises for 7 years respectively.

Supplier finance is based on the receivable of suppliers. A supplier provides the goods or services to the Corporate buyer, based on the received & endorsed invoices from buyer, bank finances 80-100% (on invoice value) to the supplier. On or before maturity the repayment is made by corporate buyer. This financial product is formulated to aid relatively larger business houses/enterprises that depend on multiple suppliers for various raw material/ingredients to process and finish consumable goods/services.

Distributor finance is a kind of financing that benefits both the distributors and manufacturers/ corporate sellers. It commonly refers to a mode of financing in which the financier makes payment to the manufacturer/principal for lifting goods on behalf of its distributors and the distributors after a certain credit term pays the money back to the financer (Bank). Distributor financing offers clear benefits for both the corporate and the local distributor leading to greater flexibility of cash flow business growth potential.

Business women are encouraged and motivated for their contribution in our overall economy. As such inclusion of more number of women with various business activities would only bring in betterment of our overall economy. In tune with this spirit, “Oditiya Loan” facility is formulated with the aim to aid business women in their business activities to gain profitability and sustainability.

SME loan is business loan by nature and in line with this, Dhaka Bank has house building financing facility for building, renovating or procuring commercial buildings.

SME Business financing is almost always security based lending, however, not all intersed SME customers are capable to offer collateral or land security in order to obtain credit facilities for running thier business activities, resulting in unsuccessful business endeavor. Keeping it under consideration, Dhaka Bank offers Term Loan facilities to assist customers, who cannot afford to offer any collateral as security, in the name of “DBL Easy Loan”.

Dhaka Bank has tailored Product for entrepreneurs participating in various governmental/non-governmental auctions/bids/tenders, who have to submit Payment Orders prior to a particular project being assigned in their favor. The loan credit may be extended in form of of “one-off” or”revolving” facilities.

In order to address business fund crisis or insufficient fund/cash for procuring Work Order for obtaining total Project financing, Dhaka Bank has financing mechanism, namely, Work Order Finance. The respective liability is adjusted out of the payments (PO) received by the customer from the parent organization after completion of work.

LC (Letter of Credit) is a mode of non-funded financing by which customers procure raw material for manufacturing or supply of goods, not available locally, get financial assistance by making partial payment as LC Margin, depending on mutual understanding and relationship. Additionally, Dhaka bank also provides services to customers’ dealing with Export LCs and Bank guarantees, another two non-funded financing, available for SME customers.

SME customer, may he be involved in trading, service, manufacturing or agricultural business, is entitled for a credit facility out of his deposited amount from FDR/DPS etc. Dhaka Bank extends up to 90% of such credit facilitiy, based upon his/her retained with the bank.

Dhaka Bank offers lease financing facility mainly on mid-term or long-term basis depending on the requirement and nature of future outcome of the procured entity. In line with this, on the basis of monthly payments, Dhaka Bank undertakes various ventures like procuring business plants, machinery, vehicles etc. on company’s behalf keeping the Title Deed in Bank’s name.

Main stream financing involves interest earning and interest expense that plays a key role, any SME customer, not willing to exercise interest related business lending can enjoy financing from Dhaka Bank on the basis of profit and loss, from any of Dhaka Bank branches. However, related maintenance of data base and other reporting procedure is maintained centrally.

Shukti Account (SME Customers) is a form of Current Account, having all related major features of CD Accounts, with additional provision of interest income facility. Respective conditional interest rates will vary as per Account deposit/balance, starting from minimum Account balance of BDT 25,000.00. This sort of accounts encourages customers to explore their earning options, resultantly, having positive impacts on Bank’s overall deposit portfolio.

Current Deposit Account-SME is just another form of Current Account, aimed to facilitate only entrepreneurs belonging to SME segment. The respective Account follows and adheres to the same sets of rules, terms and conditions as in Bank’s regular generic Current Accounts. The particular Account has been incorporated with our many other deposit products mainly to determine the segmentation of origin of fund, if it is SME fund or Corporate fund.

Fixed Deposit accounts inherently promotes deposit mobilization at a relatively higher interest rate. However, in times of deposit crisis, this instrument plays a substantial and vital role in accumulating additional base deposit for the organization. Apart from having facility for issuing regular FDRs for Company accounts and individuals, Dhaka Bank SME has launched a FDR of special kind to increase base deposit of SME segment, promoting procurement of SME based fund for sustainable future financing.

Fixed Deposit accounts inherently promotes acquisition of deposit at a relatively higher interest rate. However, in times of deposit crisis, FDs play a substantial and vital role in accumulating additional base deposit. Apart from issuing regular FDRs for Company accounts and individuals, Dhaka Bank SME has incorporated a special kind of Fixed Deposit Scheme based on Islamic norms and regulations, aiming a special client segment, to increase global base.

Dhaka Bank and SMEF have signed an agreement in this regard on 11 June 2024 in a renowned Hotel in Dhaka. Under this program, SME Foundation will provide Tk. 450 crore to the participating banks and non-bank financial institutions (NBFIs) which will be disbursed to the entrepreneurs at a subsidized rate of 6%.

Cottage, Micro, Small, and Medium Enterprises (CMSMEs) located outside Dhaka & Chattogram Metropolitan area will be considered for refinance at 8% interest rate.

The purpose of the 10/50/100 Taka Account Holder Refinance Program is to provide easy access to affordable credit for marginalized and low-income small business owners, in rural areas. Marginal, Cottage and Micro Traders will be able to avail term loans at 7% interest rate.

Bangladesh Bank has formed a refinancing scheme of BDT 25,000 crore for Cottage, Micro, Small & Medium (CMSME) entrepreneurs. Under the scheme, the borrowers of CMSMEs will get term loans at a lower interest rate than the general public.

CMSME entrepreneurs can now apply under Credit Guarantee Scheme of Bangladesh Bank. Dhaka Bank signed a Participation Agreement with Bangladesh Bank for providing Credit Guarantee for CMSME Entrepreneurs. The facility aims to assist those eligible CMSME Entrepreneurs who do not have sufficient collateral security to avail loan/investment facility from the Banks.

This program initiated by Bangladesh Bank prioritizes focusing on Women Entrepreneurs. Women constitute about half our population, hence, must be encouraged to be involved with various socio-economical and financial activities, adding up to our overall economical prosperity. In order to prioritize women business financing, Bangladesh Bank extends funding assistance at a rate of 5.00% to Banks and NBFIs for further lending to Women business Entrepreneurs at 9.00% intt. rate in order to reduce their financial burden and to flourish their business activities.

Green banking is acclimatized with the core idea for minimizing environmental risks and hazards. Businesses that pose threats to polluting air we breathe, water we drink or locality, where population concentration is higher, should pursue methodology in their business activities that embrace pollution free techniques and methods in running their respective businesses, causing no harm or threat to our environment in general. Dhaka Bank promotes such financing, even if it involves large scale financing, if viable.

ME Clusters are interconnected enterprises located in a specific location, producing the same or similar products and/or delivering same or similar services. There are 177 SME clusters in 51 districts of Bangladesh. Dhaka Bank has already financed several clusters working alongside SME Foundation utilizing their refinancing Schemes.

The benefits of cluster financing:

• Individually each client may not be eligible to finance; however, under Cluster Financing they can avail loan financing;
• Mortgage security is not required as the clients provide group guarantee for one another.
• Smaller ticket size loans.
• Easier to monitor multiple clients belonging in the same cluster as they work and live in the same area.

Some SME Clusters already Financed by Dhaka Bank include:

• Kaluhati Shoe Cluster of Rajshahi
• Furniture Cluster of Rajshahi
• Furniture Cluster of Chatmohor
• Basket Cluster of Sherpur
• Mritt Shilpo Cluster of Mokamtola
• Kutir Shilpo of Akij City

Dhaka Bank and SMEF have signed an agreement in this regard on 11 June 2024 in a renowned Hotel in Dhaka. Under this program, SME Foundation will provide Tk. 450 crore to the participating banks and non-bank financial institutions (NBFIs) which will be disbursed to the entrepreneurs at a subsidized rate of 6%.

Loan facilities to promote new entrepreneurs. The aim of this facility is to encourage and support young entrepreneurs and transform their innovative ideas into businesses. New entrepreneurs will be eligible for a maximum of Tk.80.00 million loan facility paying a maximum 4% interest rate.

The purpose of the 10/50/100 Taka Account Holder Refinance Program is to provide easy access to affordable credit for marginalized and low-income small business owners, in rural areas. Marginal, Cottage and Micro Traders will be able to avail term loans at 7% interest rate.

We also regularly arrange and participate in SME fairs/workshops to reach CMSME clients, for example, just in 2025 we:
a) Participated in a 3 day long International Trade Fair for Women at Gulshan Shooting Club Convention Center from 6 to 8 March 2025, organized by Women Entrepreneur Association of Bangladesh (WEAB). Dhaka Bank was the Title Sponsor
b) Participated in The Chand Bazaar – Season 2″ Eid Fair at Aloki Convention Center from 24 to 27 March 2025, organized by Event Box. Dhaka Bank was the Title Sponsor
c) Participated in a 4 day long Banker-SME Women Entrepreneur Fair 2025 at Bangla Academy Premise from 8 to 11 May 2025, arranged by Bangladesh Bank.
d) Participated in EID SOUK (Exhibition on Women Entrepreneurs & Small Enterprise) at Aloki Convention Center from 16 to 17 May 2025, organized by Koral Klauset. Dhaka Bank was the Title Sponsor
e) Participated in the Divisional Workshop on Women’s Financial Inclusion, held at Safina Park Auditorium, Godagari, Rajshahi on 10 August 2025, organized by Bangladesh Bank.
f) Participated in the SME Autumn Fair 2025 at Midas Centre, Dhanmondi from 11 to 13 September 2025, organized by Micro Industries Development Assistance and Services (Midas).

Dhaka Bank celebrated the International MSME Day 2025. Dhaka Bank celebrated the International MSME Day 2025 on 29th June 2025 by setting up balloons, Banner, Festoons in Head Office and several key branches. We also held a special Zoom session with all branches of Dhaka Bank discussing on the importance for financing MSMEs and the relevant updated products and services we offer them.

Dhaka Bank Participates in the 11th National SME Fair and 1st SME Financing Facilities Fair 2024 organized by SME Foundation
The SME Foundation organized a seven day long SME Fair scheduled from 19th May to 25th May 2024 at BICC to showcase the products produced by small and medium enterprises (SMEs). The fair aimed to promote the products produced by SMEs across the country and create a network among SMEs, among other goals. Around 350 SMEs participated in the fair. About 60 percent of the enterprises of the fair were led by women entrepreneurs. Dhaka Bank participated in the Fair as a sponsor, setting up a stall at the venue. We engaged with numerous visitors who showed interest and curiosity about our products and services.

Dhaka Bank celebrated the International MSME Day 2024
International MSME Day is celebrated annually on 27th June 2024 to recognize the important role of micro, small, and medium enterprises (MSMEs) in economic growth and sustainable development. The theme for 2024 was “Building Resilience of Micro, Small and Medium Enterprises to Accelerate Sustainable Development and Eradicate Poverty in Times of Multiple Crises”.
Dhaka Bank celebrated the International MSME Day 2024 by setting up balloons, Banner, Festoons in 8 key branches:
1. Gulshan Corporate Branches
2. Gulshan-1 Branch
3. Local Office Branch
4. Kakrail Branch
5. Banani Branch
6. Dhanmondi Branch
7. Uttara Branch
8. Kawran Bazar Branch
We also held a zoom session with all our branches to celebrate and have a discussion on the importance for financing MSMEs and the relevant products and services we offer them