News · 2026
IPDC keeps AAA rating for eighth straight year
IPDC Finance PLC has been awarded the highest ‘AAA’ credit rating by the Credit Rating Agency of Bangladesh Limited (CRAB).
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IPDC SME Loan for Small Business Expansion
Supporting entrepreneurs with smart SME financing solutions that help businesses grow with confidence. We are committed to helping you move forward and achieve bigger goals.
Apply nowChoose a Scheme Which Best Fits Your Needs
We understand that business opportunities don’t come overnight, it is created. At IPDC, we offer easy and affordable financing for the SMEs like yours to exploit the business potential to the fullest.
IPDC Express
IPDC Express is a fast-track financing solution designed exclusively for Cottage, Micro and Small Enterprises (CMSEs) across Bangladesh. The facility offers financing of up to BDT 1 Crore through a simplified assessment process, less documentation and reduced processing time. Using a parameter-based credit assessment model, IPDC Express evaluates business performance, financial standing and operational profile to determine financing eligibility.
Potential Client
- Cottage, Micro and Small Enterprises (CMSEs)
- Businesses involved in manufacturing, trading, service, agriculture and agro-based sectors
- Sole Proprietorship, Partnership, and Private Limited Company
Purpose
- Business Expansion
- Working Capital Finance
- Fixed Asset Purchase (Other than lease)
- Agriculture Production and Trading Activities
Facility Type
- Short Term Loan (STL)
- Long Term Loan (TL)
Facility Tenure
12 to up to 36 months
Repayment
Repayment of the facility can be through monthly equal installments, structured payment, quarterly payment, or monthly/quarterly interest payment. A revolving short-term loan facility may also be available based on the cash flow of the business.
Security
Security requirements depend on the approved financing structure and applicable credit assessment criteria. Security may include cash security, personal guarantee, post-dated cheques, or any other security acceptable to IPDC Finance.
Key Features
- Financing up to BDT 1 Crore
- Less documentation
- Reduced processing time
- Parameter-based credit assessment
- Business profile and performance-based evaluation
- Designed exclusively for Cottage, Micro and Small Enterprises
- Available in Short Term Loan and Term Loan facilities
- Supports business expansion and working capital requirements
- Refinance rate will be offered to eligible clients
SME Loan EMI Calculator
Plan your business growth with confidence. Adjust the loan amount, tenure and interest rate to estimate your monthly installment.
Monthly EMI
BDT 66,428.62
- Principal Amount
- BDT 20,00,000.00
- Total Interest
- BDT 3,91,430.31
- Total Repayment Amount
- BDT 23,91,430.31
Payment Breakdown
- Principal AmountBDT 20,00,000.00
- Total InterestBDT 3,91,430.31
Figures are indicative estimates only. The actual EMI, interest rate and loan amount depend on your business profile, eligibility, financing scheme and the terms applicable at the time of sanction.
Documents Required for SME Loan Application
To ensure a smooth SME loan application process with IPDC, it is important to have your key business and financial documents prepared in advance.
| SL No. | Documents | Proprietorship Concern | Partnership Firm | Private Limited Company | Public Limited Company |
|---|---|---|---|---|---|
| 1 | Updated Trade License | ✓ | ✓ | ✓ | ✓ |
| 2 | 3 Year Old Trade License | ✓ | ✓ | ✓ | ✓ |
| 3 | Latest 12 months Bank Statement | ✓ | ✓ | ✓ | ✓ |
| 4 | National ID of Business Owners | ✓ | ✓ | ✓ | ✓ |
| 5 | Utility Bill of Business | ✓ | ✓ | ✓ | ✓ |
| 6 | TIN Certificate | ✓ | ✓ | ✓ | ✓ |
| 7 | Photograph of the Owners | ✓ | ✓ | ✓ | ✓ |
| 8 | Registered Partnership Deed | × | ✓ | × | × |
| 9 | Memorandum & Article of Incorporation, Form X and XII | × | × | ✓ | ✓ |
| 10 | Certificate of Incorporation | × | × | ✓ | ✓ |
| 11 | Board/ Partnership Resolution | × | ✓ | ✓ | ✓ |
| 12 | Environment Clearance Certificate | ✓ | ✓ | ✓ | ✓ |
| 13 | All Facility Related Offer Letters | ✓ | ✓ | ✓ | ✓ |
| 14 | Financial Statements of last 3 years | ✓ | ✓ | ✓ | ✓ |
IPDC SME FINANCING
Being a financing partner, IPDC encourages prevailing & potential SME entrepreneurs by offering tailored & affordable products with a vision to boost SME enterprises and empowering women nationwide.
Turn your business plans into progress with quick SME support
Apply NowLatest from IPDC
News & Events
Stay informed about our latest milestones, initiatives, and stories.
News · 2026
IPDC launches ‘Play With IPDC’ FIFA World Cup 2026 campaign
IPDC Finance PLC has launched "Play with IPDC", a nationwide digital engagement campaign for FIFA World Cup 2026.
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News · 2026
IPDC Finance receives recognition from BB for Employment Creation Project
IPDC Finance PLC has participated in the "Dissemination Seminar on Inclusive Finance and Enterprise Development" organised by Bangladesh Bank (BB) under the Supporting Post COVID-19 Small Scale Employment Creation Project (SPCSSECP), where the company was recognized for its contribution to expanding access to finance for CMSMEs. The event was attended by Nurun Nahar, Deputy Governor of BB, Kazi Tamanna Hoque, Director of the SPCSSECP, BB, head office, and Rizwan Dawood Shams, IPDC Finance Managing Director.
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News · 2026
IPDC Finance supports exhibition to promote inclusive finance
Demonstrating a deep commitment to advancing women's economic empowerment and supporting women's banking and CMSME growth, IPDC Finance PLC took the lead as gold sponsor of the Women Summit and Exhibition 2026.
Read storyFAQ
What is the interest rate for IPDC SME Loan?
The interest rate for IPDC SME Loan is competitive and depends on factors such as business profile, loan amount, and repayment capacity.
Who is eligible for an IPDC SME Loan?
Business owners, entrepreneurs, and SMEs with a valid business entity and stable income source can apply, subject to eligibility criteria.
Can a startup apply for IPDC SME Loan?
Yes, startups may apply if they meet the required documentation and demonstrate a viable business plan or income flow.
What types of businesses can apply for SME loans?
Small and medium enterprises across trading, manufacturing, service, and other sectors are eligible based on IPDC guidelines.
How is the SME loan repayment schedule structured?
Repayment is usually structured in monthly installments (EMIs) based on loan amount, tenure, and agreed interest rate.
Can I get an SME loan without collateral?
Certain SME loan products may be available without collateral, depending on business strength and eligibility assessment.
How long does SME loan approval take?
Approval time varies based on documentation and verification, but IPDC aims to process applications as quickly as possible.
Can SME loans be used for business expansion?
Yes, SME loans can be used for working capital, business expansion, equipment purchase, or operational needs.
Is SME financing available outside major cities in Bangladesh?
Yes, IPDC SME Loan services are available in multiple locations across Bangladesh, subject to branch coverage and eligibility.
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