Loan product
SME Qarza
SME Qarza is GDO's loan for established small and medium enterprises that have outgrown micro-credit and need larger working capital or growth finance — backed by our long relationship with SMEDA and local business networks.
Who it is for
- Trading, manufacturing and service businesses with a track record
- Micro-entrepreneurs graduating to a larger scale
- Businesses employing local people
- Enterprises linked with SMEDA or local business groups
What it can fund
- Larger stock or raw-material purchases
- Upgrading machinery and equipment
- Expanding premises or adding a second outlet
- Meeting bigger customer orders
Why GDO
Why borrow SME Qarza from GDO
Growth path from micro to SME
Start small with GDO and move up as your business grows — one relationship, one team.
Regulated and transparent
SECP-licensed, with double-entry accounts, annual audits and clear policies (see Transparency).
Local decisions
Our team knows Layyah and Bhakkar markets, so assessment is fair and practical.
How to apply
Four simple steps
These are the typical steps — your loan officer confirms the exact process and documents for you.
- 1
Contact us
Message us on WhatsApp, call, send the call-back form or visit our office in Karor Lal Esan or Multan.
- 2
Talk to a loan officer
A GDO loan officer listens to your business and needs and suggests the product that fits.
- 3
Assessment & documents
We assess your business and tell you exactly which documents are needed.
- 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
SME Qarza — questions answered
What is the difference between Karobar Qarza and SME Qarza?
Karobar Qarza is for starting or growing a small business. SME Qarza is for established small and medium enterprises that need larger working capital or expansion finance. Your loan officer will recommend the best fit.
Do I need to be registered with SMEDA?
Please ask our team — requirements are confirmed by your loan officer. GDO works closely with SMEDA on enterprise development in the region.
