Prominent Finance & Investment Ltd.

SME Finance

Micro Enterprise Loan

Micro enterprises are the engine of our retail and service economy. Whether you run a neighborhood grocery store, a local pharmacy, or a small manufacturing unit, you need steady capital to keep inventory fresh and operations running smoothly.

We designed our Micro Enterprise Loan to be agile and accessible. Prominent Finance & Investment Ltd. provides the working capital you need to stock up for peak seasons, upgrade your shop's interior, or purchase light commercial equipment without tying up your daily cash flow.

Why Choose Micro Finance

Scaling Your Business

Revenue Growth

Leverage borrowed capital to purchase bulk inventory at a discount, directly increasing your profit margins.

Minimal Paperwork

Streamlined approval process focusing on your daily cash flow rather than complex corporate financial statements.

Daily/Weekly Repayment

Flexible repayment schedules that match the frequency of your business's cash intake.

Who Can Apply

Ideal Sectors

Retail Shops

Grocery stores, clothing retailers, and daily consumer goods shops.

Pharmacies

Local dispensaries and medicine shops needing inventory finance.

Light Manufacturing

Small-scale engineering works, furniture makers, and printing presses.

Food Services

Local restaurants, cafes, and catering businesses looking to expand.

Get Started

Fast Track Funding

Application: Provide your Trade License and National ID to get started.
Business Assessment: We evaluate your daily sales volume and operational history.
Approval: Quick sanctioning tailored to your specific seasonal or inventory needs.
Growth: Utilize the funds to capture more market share and serve more customers.

By The Numbers

Powering Micro
Businesses Nationwide

From corner shops to workshops, our micro-loans have reshaped thousands of neighborhoods across Bangladesh.

24,500+

Active Borrowers

৳420 Cr

Disbursed to Date

64

Districts Covered

4.8/5

Customer Rating

Why We're Different

Prominent vs Traditional Banks

Criteria	Prominent Micro Loan	Traditional Bank
Approval Time	48–72 Hours	3–6 Weeks
Collateral	Not Always Required	Mandatory Property
Documentation	Trade License + NID	15+ Documents
Repayment Flexibility	Daily / Weekly / Monthly	Fixed Monthly EMI
Minimum Business Age	6 Months	2–3 Years

From Apply to Grow

Your 5-Day Journey

Day 1

Apply Online

Submit basic info in 10 mins

Day 2

Field Visit

Our officer visits your shop

Day 3

Verification

Trade license & sales check

Day 4

Approval

Sanction letter delivered

Day 5

Disbursement

Funds in your account

Estimate Your Loan

Sample Repayment Plan

Loan

৳2 Lakh

Tenure

24 Mo

Rate

15%

Monthly EMI

৳ 9,700

*Indicative only. Actual rates depend on business profile.

Where Our Money Works

30+ Industries Funded

From daily essentials to specialized trades — our micro loans reach every corner of the local economy.

Grocery

Pharmacy

Tailoring

Bakery

Salon

Poultry

Dairy

Mobile Repair

Stationery

Hardware

Electronics

Cosmetics

Tea Stall

Sweet Shop

Auto Parts

Fish Trading

Printing Press

Furniture

Cloth Trade

Rice Mill

Cyber Cafe

Photography

Catering

Nursery

Book Store

And many more sectors we proudly serve

Voices of Growth

Real Shop Owners, Real Wins

Kamal Hossain

Grocery Store, Mirpur

৳3 Lakh Loan

"I doubled my shelf stock before Ramadan. Sales went up 60% that month alone. The daily repayment fits my cash box perfectly."

Nasreen Akter

Pharmacy, Cumilla

৳5 Lakh Loan

"Bank e 6 mash ghurar por Prominent 4 din e disburse korlo. Ekhon amar pharmacy branch 2 ta."

Am I Eligible?

Quick Eligibility Checklist

If you tick most of these boxes, you're likely to qualify for our Micro Enterprise Loan within 72 hours.

Active Trade License

Minimum 6 months old

Valid NID

Both applicant & guarantor

Fixed Business Location

Rented or owned premises

Sales Records

3 months of transaction proof

Guarantor

One personal guarantor required

Age 21–60

Applicant age bracket

Common Questions

Frequently Asked

01.Can I get a loan without collateral?

For loan amounts up to ৳3 Lakh, we offer collateral-free options based on your business turnover and guarantor. Larger amounts may require asset backing.

02.How is my daily repayment collected?

Our field officer visits your shop at a fixed time daily, or you can pay through bKash, Nagad, or bank transfer — whichever suits your workflow.

03.What if my business has a slow month?

We offer a 15-day grace window and can restructure your schedule with prior notice. We grow with you, not against you.

04.Do you finance new startups?

We require a minimum of 6 months of active business operation. For pure startups, our Cottage Industry Loan may be a better fit.

05.Is there any prepayment penalty?

Zero prepayment penalty after the first 6 months. Pay off early and save on interest.

Ready to Grow?

Turn Your Micro Business
Into a Local Powerhouse

Talk to our SME officer today. Approval within 72 hours guaranteed for eligible applicants.

Speak With An Officer

+880 1700-000000

Sat–Thu, 9AM – 6PM