Prime Finance & Investment

What Prime Finance & Investment does

Prime Finance & Investment Limited is a Bangladesh-based Non-Bank Financial Institution (NBFI) incorporated in 1996 and headquartered at PFI Tower in Dhaka's Dilkusha Commercial Area. The company operates a diversified lending book spanning lease finance, hire purchase, term finance, SME finance, real estate finance, consumer finance (housing and car), factoring, bill discounting, bridge/equity finance, and syndicated finance. It funds this book through a broad suite of 18+ deposit and DPS schemes — including specialized products such as Doctors' Fixed Deposit, Professional Fixed Deposit, and Housing Deposit Scheme — distributed through five branches across Dhaka, Chattogram, and Rajshahi. Its core technology consists of standard NBFI origination, underwriting, and receivables-management processes with no disclosed AI, proprietary models, or API integrations.

The company is publicly listed on the Dhaka Stock Exchange and Chittagong Stock Exchange and regulated by Bangladesh Bank and the Bangladesh Securities and Exchange Commission, maintaining BSEC Corporate Governance compliance certification and AML/CFT policies. It had built a wholly-owned subsidiary ecosystem comprising PFAMCL (asset management, 2009), PFCML (capital markets, 2010), and PFI Sec Ltd. (merchant banking, 2010). On January 11, 2026, Bangladesh Bank declared Prime Finance 'non-viable' and announced liquidation plans as part of a broader reform affecting nine NBFIs holding combined deposits of Tk 15,370 crore, with Tk 5,000 crore requested from the government to protect small depositors. The February 2026 base lending rate stands at 15.66%, the regulatory floor for NBFI lending in Bangladesh.

Revenue mechanics rely on interest income from the lease and term-finance book, fee income from factoring and merchant-banking subsidiaries, and net interest spread earned on the deposit-funded loan portfolio. The customer base spans SMEs (primary), corporate clients (primary), and individual consumers (secondary) for housing and vehicle financing. Given the liquidation announcement, the company's forward operating outlook is effectively terminal, with asset disposition and depositor protection under central bank oversight as the remaining activities.

Name

Prime Finance & Investment

Legal name

Prime Finance & Investment Limited

Website

https://primefinancebd.com

Company type

Public

Founded year

1996

Operating status

Closed

Short description

Prime Finance & Investment Limited is a Bangladesh-based, Dhaka-listed Non-Bank Financial Institution founded in 1996 that provides lease, term, SME, real estate, consumer, and factoring finance to corporate, SME, and individual clients through five branches. As of January 2026, Bangladesh Bank has declared the company 'non-viable' and announced liquidation.

Ownership category

akta.pro rank

Headquarters

HQ city

Dhaka

HQ country

Bangladesh

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Infrastructure, Others

Revenue model

1. Lease and Hire Purchase Financing: Asset-based financing for small and medium enterprises providing capital machinery, equipment and vehicle financing through full payout financial lease transactions.
2. Term Finance: Leading product of Prime Finance focusing on profitable, low-risk SME sector lending.
3. SME Finance: Financing solutions for small and medium enterprises including SME loan application processes.
4. Real Estate Finance: Financing for real estate developers for construction of residential apartments, commercial buildings, and corporate offices.
5. Consumer Finance: Affordable housing finance and car finance at competitive interest rates for consumers. Housing finance portfolio grew from BDT 3.5 mn in 2010 to BDT 40 mn in 2014.
6. Factoring Finance: Comprehensive financial service including credit protection, accounts receivable bookkeeping, collection services and financing. Started in 2014 with financing of BDT 24.96 mn.
7. Deposit Products: Various deposit schemes including Semi annual deposit, Annual income deposit, Cumulative income deposit, Monthly income deposit, Quarterly income deposit, Half-yearly income deposit, Sonchoy Plus MID, Double income deposit, Triple income deposit, Earn ahead deposit, Priority fixed deposit, Professional fixed deposit, Doctors' fixed deposit, Contribution FDR, Housing deposit scheme, Sonchoy DPS, Fortune DPS.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Prime Finance & Investment Limited is a Bangladesh-based Non-Bank Financial Institution (NBFI) that provides diversified financial products including lease finance, hire purchase, term finance, SME finance, real estate finance, factoring, car finance, and consumer (housing/personal) finance to corporate clients, SMEs, and individual consumers. The company also operates a wide range of deposit schemes and DPS products as liability-side offerings.

Product overview

Prime Finance & Investment Limited is a Non-Banking Financial Institution (NBFI) in Bangladesh operating a diversified portfolio of financial products and services. The company offers a unified platform combining loan/financing products (Term Finance as the leading product, Lease Finance, Real Estate Finance, Consumer Finance including housing and car finance, Factoring Finance, SME Finance, Bill Discounting, Bridge/Equity Finance, Syndicated Finance, and Hire Purchase) with liability products including various deposit schemes (Semi Annual, Annual Income, Cumulative Income, Monthly Income, Quarterly Income, Half-Yearly Income, Sonchoy Plus MID, Double Income, Triple Income, Earn Ahead, Priority Fixed, Professional Fixed, Doctors' Fixed, and Contribution FDR) and DPS products (Housing Deposit Scheme, Sonchoy DPS, and Fortune DPS). The company focuses on Corporate, SME, and Real Estate sectors across corporate and individual client segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Term Finance Leading loan product focusing on profitable, low-risk lending to the SME sector; provides term-based financing to small and medium enterprises.
• Lease Finance Asset-based financing enabling SMEs to acquire capital machinery, equipment, and vehicles through full payout financial lease transactions.
• Real Estate Finance Financing for real estate developers for construction of residential apartments, commercial buildings, and corporate offices.
• Consumer Finance Affordable and flexible housing finance and car finance at competitive interest rates for individual consumers.
• Factoring Finance Comprehensive financial service including credit protection, accounts receivable bookkeeping, collection services, and financing for small businesses; started in 2014.
• SME Finance Financing solutions for small and medium enterprises through SME loan products.
• Bill Discounting Financial service for discounting bills to provide working capital liquidity.
• Bridge/Equity Finance Short-term financing solution bridging temporary capital gaps or providing equity financing.
• Syndicated Finance Group financing arrangement for larger deals requiring multiple lenders.
• Hire Purchase Equipment financing product enabling businesses to acquire machinery and vehicles with deferred payment arrangements.
• Car Finance Vehicle loans introduced in 2014 as a complementary product to mainstream offerings.
• Personal Loan Personal financing introduced in 2014 as a complementary product to mainstream offerings.
• Semi Annual Deposit Deposit scheme with semi-annual interest payment structure.
• Annual Income Deposit Annual interest payout deposit scheme.
• Cumulative Income Deposit Deposit scheme where interest compounds and is paid at maturity.
• Monthly Income Deposit Deposit scheme providing monthly interest payouts.
• Quarterly Income Deposit Deposit scheme with quarterly interest payment structure.
• Half-Yearly Income Deposit Deposit scheme with half-yearly interest payout structure.
• Sonchoy Plus MID Monthly income deposit scheme under the Sonchoy branding.
• Double Income Deposit Deposit scheme designed to double the principal amount over the tenure.
• Triple Income Deposit Deposit scheme designed to triple the principal amount over the tenure.
• Earn Ahead Deposit Deposit scheme allowing interest to be earned ahead of schedule.
• Priority Fixed Deposit Priority-tiered fixed deposit scheme.
• Professional Fixed Deposit Fixed deposit scheme tailored for professional individuals.
• Doctors' Fixed Deposit Specialized fixed deposit scheme for medical professionals.
• Contribution FDR Fixed deposit with contribution-based return structure.
• Housing Deposit Scheme Deposit scheme specifically designed for housing-related savings goals.
• Sonchoy DPS Monthly deposit pension scheme under the Sonchoy branding for regular savings.
• Fortune DPS Deposit pension scheme product under the Fortune branding.

Quantifiable outcome

• Housing finance portfolio grew from BDT 3.5 million in 2010 to BDT 40 million in 2014
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• IDLC Finance Limited: One of Bangladesh's largest non-bank financial institutions offering SME, lease, and corporate finance products; directly comparable to Prime Finance on product mix, customer segments, and regulatory status.
• LankaBangla Finance: Bangladeshi NBFI providing SME finance, corporate finance, and deposit products; directly comparable to Prime Finance in business model and target market.
• Delta Brac Housing Finance Corporation: Bangladesh NBFI focused on housing finance and SME lending; comparable on consumer/housing finance product line and domestic deposit-taking structure.
• Industrial and Infrastructure Development Finance Company (IIDFC): Bangladesh NBFI providing corporate, SME, and infrastructure finance; comparable on lease/term financing products and institutional deposit base.
• National Housing Finance and Investment Limited (NHFIL): Bangladesh NBFI focused on housing and real estate finance; comparable on real estate developer financing and consumer deposit products.
• Phoenix Finance and Investments Limited: Bangladesh NBFI offering lease, term, and SME finance; closely comparable product set and deposit-scheme structure to Prime Finance.
• Union Capital Limited: Bangladesh NBFI offering SME and microfinance lending; comparable on SME customer segment and regulatory classification.
• Bangladesh Finance and Investment Company Limited: Bangladesh NBFI providing corporate and SME finance with deposit products; directly comparable on multi-product NBFI model.
• FAS Finance and Investment Limited: Bangladesh NBFI offering lease, term, and SME finance products; comparable on segment focus and small-depositor funding model.

Broad incumbents

• Agrani Bank: State-owned commercial bank in Bangladesh offering SME, corporate, and consumer finance; broader incumbent in the same customer segments where Prime Finance competes.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/prime-finance-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Prime Finance & Investment