Here are Sri Lankan banks and DFIs that offer SME / MSME loan facilities (major providers and examples of their SME products). Terms, rates and eligibility vary by bank — I’ve linked each provider’s SME page or announcement so you can check current details.

• Commercial Bank of Ceylon — “Biz Loans” / dedicated SME franchise (large private‑sector SME lender). (combank.lk)
• Bank of Ceylon (BOC) — SME Circle / SME Energizer products for MSMEs and startups. (boc.lk)
• People’s Bank — SMED (Small & Medium Enterprises Development) loans and several SME schemes (Business Power, solar, etc.). (peoplesbank.lk)
• NDB Bank — SME “Re‑Energizer” (government‑linked scheme / investment loans) and other SME facilities. (ndbbank.com)
• DFCC Bank — a range of SME products (SME/ADB lines of credit, “Sahaya”/Vardhana Sahaya MSME solutions). (uat1.dfcc.lk, dfcc2022.annualreports.lk)
• Hatton National Bank (HNB) — SME lending, term loans/overdrafts and dedicated SME teams. (hnb.net)
• Sampath Bank — business/SME borrowing solutions (business loans, solar loans, SME services). (sampath.lk)
• Seylan Bank — SME Hub plus Eco‑Solar and working‑capital SME loan products. (seylan.lk, enbsl.lk)
• Nations Trust Bank — SME working‑capital facilities and ADB‑supported SME lines. (nationstrust.com)
• Pan Asia Bank — launched a government‑backed “SME Re‑Energizer” investment loan (up to LKR 15M @ 7% in announced schemes). (srilankabiz.lk)
• Cargills Bank — SME Circle / term loans, overdrafts, invoice discounting and agri/micro finance. (cargillsbank.com)
• Amãna Bank — “Business Plus” SME proposition (working capital, capex, trade finance, leasing). (amanabank.lk)
• State Mortgage & Investment Bank (SMIB) — SME business development & special MSME loan schemes. (smib.lk, smib.lk)
• SDB / other development finance companies and licensed finance companies (SDB, Sarvodaya Development Finance, etc.) — offer SME/refinance schemes and concessionary lines (including SMELoC / government refinance programs). (sdb.lk, www3.sarvodayafinance.lk)

Note:

• Several banks are participating in government/ADB/ADB‑style refinance or stimulus SME schemes (e.g., “SME Re‑Energizer” offering up to LKR 15 million at subsidised rates around 7% was rolled out through multiple banks). Check the specific bank page for availability, sector eligibility and documentation. (ndbbank.com, srilankabiz.lk, sdb.lk)
• Product names, interest rates, maximum loan amounts and required collateral vary widely and change frequently — always confirm the latest terms on the bank’s SME page or by contacting the bank’s SME unit.

If you want, I can:

• Pull the latest SME product pages for 2–4 specific banks you’re considering and summarize rates, max amounts and eligibility; or
• Prepare a short comparison table (loan amount, tenor, typical collateral, contact) for a selected set of banks.

Which would you prefer?