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Microfinance

Fair, licensed credit for small businesses

GDO holds an SECP licence to operate as a non-bank microfinance company. Choose from three loan products and two insurance covers — and talk to a real loan officer in Urdu or English.
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Loan products

Pick the loan that fits your business

Client Health InsuranceProtect your family from the cost of illness.Client Life InsuranceProtect your loved ones in the event of the unexpected.

Why GDO

Credit that works for families

  • An alternative to moneylenders

    Many of our clients were in debt to moneylenders charging exorbitant interest. GDO gives them access to fair, regulated credit.

  • Built around women and groups

    About 80% of borrowers are women, supported by saving groups and community organisations.

  • Repeat borrowers keep returning

    More and more clients repay a loan and take another — a sign the credit is working. GDO reports a 99.6% recovery rate.

Find your loan

Find your loan in 60 seconds

What do you need the money for?

How to apply

From first message to your loan

  1. 1

    Contact us

    Message us on WhatsApp, call, send the call-back form or visit our office in Karor Lal Esan or Multan.

  2. 2

    Talk to a loan officer

    A GDO loan officer listens to your business and needs and suggests the product that fits.

  3. 3

    Assessment & documents

    We assess your business and tell you exactly which documents are needed.

  4. 4

    Decision & loan

    If approved, you receive the amount, repayment schedule and total cost in writing before you accept — then repay in instalments.

Frequently asked questions

Loan questions, answered

What loans does GDO offer?

GDO offers three loan products — Fori Qarza (quick working capital), Karobar Qarza (start or grow a small business) and SME Qarza (established small and medium enterprises) — plus client health and life insurance.

How do I apply for a GDO loan?

Contact us on WhatsApp, call +92 606 811811, request a call-back on this website, or visit our office in Karor Lal Esan or Multan. A loan officer will discuss your business and guide you through the next steps.

Where does GDO give loans?

GDO works in Layyah and Bhakkar districts of Punjab, with offices in Karor Lal Esan and Multan. Ask us if your area is covered.

Are there any fees, and who do I pay?

Any charges on a loan are explained to you in writing by GDO staff before you accept it. Never pay anyone to “guarantee” or fast-track a loan, and never send money to a personal account. If someone asks you for money in GDO's name, call our office to verify.

Are women able to take loans?

Yes — about 80% of GDO's borrowers are women. Many join through women's saving groups.

Can I take another loan after repaying?

Many of our clients take successive loans after repaying — a sign that they are benefiting. Your loan officer will explain eligibility for a next loan.

Start with a free conversation

No pressure, no jargon — just a loan officer who understands your business.

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