Pakistan Business Funding & Grants
Centralized discovery for verified government grants, non-equity innovation matching funds, 0% concessionary loans, credit guarantees, and institutional support programs across Pakistan.
26
Total Schemes
2026 Verified Catalog
8
Grants & Awards
Non-equity capital
13
Concessionary Loans
0% & subsidized markup
Federal + Punjab
National Scope
+ Global mobility
Pakistan Startup Fund (PSF)
Non-equity co-investment grant alongside venture capital and institutional investors to accelerate Pakistani tech startups into global markets.
Eligibility:
Legally incorporated in Pakistan, registered with relevant regulatory authorities, post-seed stage with committed external/matching investor funding.
Prime Minister's Youth Business & Agriculture Loan Scheme (PMYB&ALS)
Business and agriculture financing for young entrepreneurs across Tier 1 (up to PKR 0.5M at 0% markup), Tier 2 (up to PKR 1.5M at 5% markup), and Tier 3 (up to PKR 7.5M at 7% markup).
Eligibility:
Pakistani citizens aged 21-45 years (minimum 18 years for IT/E-Commerce businesses) with CNIC and viable business proposal.
Punjab Rozgar Scheme
Subsidised credit for startups and existing micro, small, and medium enterprises to stimulate economic recovery and job creation in Punjab.
Eligibility:
Eligible startups and existing businesses across Punjab; applicants aged 20 to 50 years with valid Punjab domicile.
Refinance and Credit Guarantee Scheme for Women Entrepreneurs
Concessionary business financing and credit risk coverage for women entrepreneurs across Pakistan to establish and expand enterprises.
Eligibility:
Women entrepreneurs across Pakistan holding at least 50% ownership or majority control in a registered or operating enterprise.
UNIDO Global Cleantech Innovation Programme (GCIP) Pakistan
Cleantech innovation and climate solutions; acceleration grants, global competition awards, investor readiness, and mentoring for Pakistani climate innovators.
Eligibility:
Pakistani green/clean tech startups with working prototypes in renewable energy, energy efficiency, water, waste management, or green buildings.
ADB SME Finance / Financial Inclusion Operations
Development-finance programmes improving SME credit lines, digital inclusion, trade finance, and rural enterprise lending through Pakistani financial institutions.
Eligibility:
Usually implemented through participating commercial banks, SBP, and accredited microfinance institutions.
Challenge-Driven Innovation Fund (CIF)
High-risk/high-gain ICT R&D addressing national challenges in smart cities, agriculture, health, energy, and digital governance.
Eligibility:
Consortium with at least two partner institutions (industry-academia partnership) addressing defined thematic challenges.
CM Punjab Asaan Karobar Card
Interest-free revolving SME credit card facility for vendors, traders, and small shopkeepers to meet inventory and operational cash flows.
Eligibility:
Small entrepreneurs and registered shopkeepers/vendors in Punjab meeting scheme criteria.
CM Punjab Asaan Karobar Finance
Interest-free micro-enterprise financing for new businesses, micro-enterprises, and young entrepreneurs to foster self-employment in Punjab.
Eligibility:
Punjab resident small enterprises and entrepreneurs with viable business plans and valid Punjab domicile/CNIC.
Erasmus for Young Entrepreneurs (Global)
Cross-border entrepreneurship exchange, on-the-job mentoring, and monthly travel/living stipend with experienced host entrepreneurs in Europe and participating global destinations.
Eligibility:
New entrepreneurs (committed to start a business or having started within the past 3 years) with a concrete business plan and valid passport.
Pakistan Poverty Alleviation Fund - Microfinance & Enterprise Development
Microfinance and livelihood/enterprise financing for underserved communities, rural entrepreneurs, and micro-enterprises across marginalized districts.
Eligibility:
Micro-entrepreneurs and community organizations vetted through PPAF partner organizations (POs).
Pakistan Technology Transition Fund (TTF)
Technology maturation beyond proof of concept into commercially viable products, prototypes, and applied research solutions.
Eligibility:
Consortium with at least two entities including accredited Pakistani universities/HEIs and industry commercialization partners.
Prime Minister's Cloud Program for Startups
Cloud adoption, optimisation and scaling for early-stage and growth-stage tech startups with premier cloud credits and technical architecture advisory.
Eligibility:
Pakistani tech startups at early/growth stage incorporated and operating in Pakistan.
Punjab Credit Guarantee Scheme (CGS)
Credit guarantees for SMEs lacking collateral to secure commercial credit lines and expansion loans from partner banks.
Eligibility:
Punjab SMEs meeting scheme criteria applying for bank credit facilities without sufficient tangible collateral.
Punjab Green Development Program - Resource Efficiency & Cleaner Production
Resource-efficiency and cleaner-production technology grants/financing for industrial units to adopt green practices and wastewater treatment.
Eligibility:
Eligible SMEs in specified Punjab industrial sectors (textiles, tanneries, plastics, re-rolling mills, chemicals).
Punjab Interest-Free Financial Assistance for Skilled Persons / Craftsmen
Interest-free credit for craftsmen, skilled tradespersons, and technical TVET graduates to launch independent self-employment ventures.
Eligibility:
Skilled, semi-skilled, and home-based artisans and certified TVET graduates in Punjab.
Punjab Interest-Free Financial Support for Artisans / Cottage Industry
Interest-free finance to establish, strengthen, and modernize traditional arts, handicrafts, and cottage crafts across Punjab districts.
Eligibility:
Artisans, cottage-industry workers, and traditional handicraft makers domiciled in Punjab.
Punjab Interest-Free Loan Scheme for Graduated WBIC Incubatees
Revolving interest-free finance for women entrepreneurs who have graduated from WBIC incubation centers to establish independent commercial units.
Eligibility:
Graduated WBIC incubatees in Punjab with verified graduation certificates.
Punjab Loan Markup Support Program (LMSP)
Markup support to reduce financing costs for priority industrial SME sectors investing in technology, capacity addition, and modern machinery.
Eligibility:
Eligible SME industries in Punjab registered with PSIC or Industries Department investing in qualifying modernization projects.
Resilient and Accessible Microfinance (RAM) Program
Access to microcredit and resilience of the microfinance sector post-climate shocks, supporting climate-affected micro-borrowers and MSMEs.
Eligibility:
Implemented through Pakistan Microfinance Investment Company (PMIC) and accredited microfinance institutions/banks.
SME Asaan Finance (SAAF) Scheme
Collateral-free term loans and working-capital/running finance for collateral-deficient SMEs through risk-coverage and refinancing.
Eligibility:
New borrowers of participating commercial banks, micro and small enterprises lacking traditional collateral.
UNDP / ILO Business and Human Rights Private-Sector Engagement
Capacity building, technical training, and private-sector engagement on responsible business conduct, ESG compliance, human rights due diligence, and sustainability standards.
Eligibility:
Businesses, trade associations, and private-sector enterprises in Pakistan committing to BHR principles.
UNDP Pakistan Gender Climate Award
Recognition and support platform celebrating women leaders, female climate innovators, and grassroots organizations driving climate adaptation and green enterprise in Pakistan.
Eligibility:
Women-led climate initiatives, grassroots civil society organizations, and female eco-entrepreneurs operating in Pakistan.
UNIDO Biodiversity-Positive Settlement Interventions & Green Enterprise Support
Nature-based enterprise development, biodiversity-positive sustainable ventures, and eco-friendly settlement solutions.
Eligibility:
Eligibility is defined in the respective call for proposals / project guidelines for designated intervention areas.
WE Finance Code - Pakistan
National framework and commitment by financial institutions to increase funding, financial products, and technical assistance to women-led MSMEs.
Eligibility:
Not a direct grant. Pakistani women-led MSMEs access targeted credit lines and mentoring through participating partner financial institutions.
World Bank SME Finance / Financial Inclusion & Enterprise Programs
Access-to-finance, financial inclusion, digital economy enablement, and credit guarantee facilities for Pakistani MSMEs.
Eligibility:
Usually implemented through Government of Pakistan, SBP, and financial intermediaries.
Official Verification & Integrity
All programs listed in this directory are sourced directly from official federal, provincial, banking, and international development partners. Application processing, eligibility criteria, and fund disbursements are managed exclusively by the respective provider institutions.