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Turn the Value of Your Gold into Business Opportunity
Finance That Keeps Your Business Moving
The LB Business Gold Loan is designed for individuals engaged in business activities who need convenient access to funds. By using the value of eligible gold, entrepreneurs can respond to working-capital needs and business-growth opportunities without giving up ownership of their gold.
Compared with the Regular Gold Loan, the Business Gold Loan offers higher advance values and more competitive interest rates, subject to eligibility, valuation and prevailing product terms.
Key Benefits
- Higher advance values: Access higher eligible advance values than under the Regular Gold Loan, based on assessment.
- More competitive interest rates: Benefit from lower applicable rates than the Regular Gold Loan, subject to prevailing terms.
- Accessible to informal businesses: Formal business registration is not mandatory when valid proof of business operations is available.
- Flexible and convenient: Use the shared repayment, redemption and extension facilities available under the LB Gold Loan.
- Protected gold: Pledged gold is safeguarded through high security standards and free insurance cover.
Who Can Apply?
- Sri Lankan citizens aged 18 years or above who are engaged in a business activity.
- Applicants with a valid National Identity Card, Driving Licence or Passport.
- Applicants pledging eligible gold articles with a minimum purity of 16 carats.
- Applicants able to provide acceptable proof of business operations.
Business Gold Loan Options
Wanitha Ransawiya
Wanitha Ransawiya is a financial solution created for women entrepreneurs engaged in business activities across Sri Lanka. It provides access to funds that can support working-capital requirements, daily operations and business-growth opportunities.
With attractive interest rates, higher advance values, flexible access and secure protection for pledged gold, the product supports women in managing and growing their businesses with confidence. It also reflects LB Finance’s commitment to financial independence, entrepreneurship and long-term economic empowerment for women.
LB Sanmitha
LB Sanmitha is an integrated financial solution designed to support Micro, Small and Medium Enterprises in Sri Lanka. It brings together accessible, affordable and growth-oriented services for entrepreneurs at different stages of their business journey.
The LB Sanmitha portfolio includes:
- Savings Accounts
- Gold Loans
- Business Loans
- Knowledge Platform
More than a single financial product, LB Sanmitha represents a long-term partnership that supports entrepreneurs from their early stages through business expansion. The name “Sanmitha”, meaning “Good Friend” or “Noble Companion”, reflects LB Finance’s aim to be a reliable partner in sustainable business growth.
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