Here are the main Sri Lanka banks that actively offer SME / MSME lending (working capital, term loans, trade finance, leasing, dedicated SME schemes and advisory). I’ve listed the largest and most active lenders first and included recent sources you can check for product details.

• Commercial Bank of Ceylon — extensive SME product suite (Biz Loans, working capital, term loans, digital SME services); consistently the largest lender to Sri Lankan SMEs. (combank.lk)

• DFCC Bank — specialist in project & SME finance with multiple SME schemes (Sahaya, SMELoC/ADB, green financing, working capital and term loans). Good for development/refinance lines backed by multilaterals. (dfccuat.affno.com)

• People’s Bank — large state bank offering SME and microfinance products, trade & export facilities and SME hubs/centres. (peoplesbank.lk)

• Hatton National Bank (HNB) — active SME division with term loans, working capital, leasing and digital SME services; partner on SME programs. (See HNB SME/corporate pages). (dailynews.lk)

• Sampath Bank — SME & business banking (working capital, equipment finance, trade finance, digital payment/PoS solutions and specialised SME initiatives). (ten.lk)

• NDB (National Development Bank) — development finance + SME lines (project finance, term loans, sector programs including gender- and green-focused SME schemes). (NDB publishes SME products and WE/green finance activity.)

• Bank of Ceylon — wide branch network and SME lending (working capital, term loans, refinance schemes and government/central-bank-backed SME programs).

• Seylan Bank, Amana Bank, Union Bank of Colombo, Cargills Bank — all provide SME facilities (term/working capital, trade and leasing) and some have targeted SME products. (en.wikipedia.org)

• Regional Development Bank, Sanasa Development Bank and several licensed finance companies (and bank subsidiaries such as Siyapatha Finance / leasing arms) — important for micro & small enterprise lending, micro-loans, leasing and invoice financing in rural / SME segments. (siyapatha.lk)

Notes and next steps:

• Product names, interest rates, collateral requirements and eligibility vary by bank and by scheme (some SME lines are subsidized or backed by multilaterals or the Central Bank). For accurate pricing and documentation requirements, check the bank’s SME section on its website or contact their SME/business relationship manager.
• If you want, I can:
  • pull direct links and product pages for a shortlist of 3–5 banks you prefer, or
  • compare typical SME product types (loan size, max tenor, collateral rules) across 4 banks — tell me which banks to compare.

Would you like product links or a side-by-side comparison for specific banks?