SMEs
Businesses that need reliable power, cost control, and continuity — especially where grid instability impacts productivity and margins.
Solar · Battery storageEco Fintech
Digital-first financing designed to expand clean energy and e-mobility adoption for households and SMEs — reducing friction through better underwriting and a simpler customer journey.
The Barriers Holding Pakistan Back From Clean Energy
- Energy insecurity hampers economic growth — businesses and households face rising tariffs and unreliable grid supply
- Despite declining technology costs, upfront investment remains out of reach for most consumers and SMEs
- Enterprises allocate capital to energy solutions when they should be investing in their core business
- Lack of EV financing keeps clean transportation inaccessible despite lower long-term operating costs
- Fragmented market with no single platform connecting financing, technology, and installation
How Eco Fintech Bridges the Gap
- Remove upfront cost barriers through structured, affordable financing aligned to customer cashflows
- Digital-first applications with fast credit decisioning and transparent terms
- Partner-led execution through vetted installers, OEMs, and technology providers
- Cover the full spectrum: SME solar, home energy, EV purchase, and charging infrastructure
- Shariah-compliant structures that create value for investors and communities alike
Who This Is For
Built for the Segments Where Adoption Is Most Constrained
Whether you're running a factory, managing a home, or scaling a fleet — if clean energy makes financial sense but the upfront cost doesn't, we're designed for you.
Households
Families seeking lower electricity bills, better resilience during outages, and long-term savings through clean energy solutions.
Home solar · BNPLEV Ecosystem
EV buyers, fleet operators, and businesses investing in charging infrastructure that need accessible financing to scale faster.
EVs · Chargers · FleetWhat We Enable
Three Financing Lines, One Platform
Each program is designed around how customers actually use energy and make payments — not around what's convenient for a lender.
Program 01
SME Clean Energy Financing
- Installations aligned to operating hours and consumption patterns
- Payment plans designed around predictable monthly outflows
- Outcomes focused on savings, uptime, and business continuity
- Works with approved installer and OEM partners
Program 02
Home Energy Financing
- Clear, fixed payment schedules aligned to household budgets
- Simplified documentation and fast decisioning
- Partner-led installation and activation pathways
- Ongoing support through the equipment lifecycle
Program 03
EV & Charging Financing
- EV purchase financing across use-case segments
- Charging equipment and infrastructure financing
- Fleet-focused plans for operators looking to scale
- Structured around fuel-cost savings and utilization
How It Works
Three Steps From Selection to Installation
A streamlined digital journey that connects you with the right solution, financing, and delivery partner.
Choose a Solution
Browse approved partners and get a proposal tailored to your site, usage, and budget.
- Approved installers & technology partners
- Partner-led sizing and proposals
- Standardized solution packages
Apply Digitally
Submit your application online. We evaluate, approve, and disclose terms transparently.
- Simple onboarding and docs
- Credit evaluation workflow
- Transparent disclosure of terms
Install & Activate
Your partner handles installation and quality assurance. We support you through the lifecycle.
- Verification and activation
- Partner-managed quality controls
- Lifecycle customer support
Why Eco Fintech
Built Differently From Traditional Energy Financing
Reduced Friction
A simplified journey from solution selection to financing to installation — no chasing approvals across institutions.
Partner-Led Execution
We scale through vetted partners so customers get reliable delivery, not just a loan.
Affordability & Clarity
Structured payments with clear terms and predictable schedules. No hidden surprises.
Scalable Impact
Designed to widen access across SMEs, homes, and mobility — where adoption is most constrained.
Typical Use Cases
Real Scenarios Eco Fintech Is Built For
SME Facing High Tariffs
A manufacturing unit paying Rs 60+/kWh switches to solar with predictable monthly payments — no upfront capital required.
Homeowner Shifting to Solar
A household replaces high monthly electricity bills with structured clean energy payments and gains resilience during outages.
Fleet Operator Going Electric
A ride-hailing fleet finances EV purchases to reduce fuel costs and meet sustainability goals at scale.
Business Installing EV Charging
A commercial property adds charging stations for customers, employees, or fleet — financed through Eco Fintech.
Partner Ecosystem
We Don't Build or Install — We Finance and Connect
Our model works because we partner with the best installers, OEMs, and technology providers in Pakistan's clean energy ecosystem.
Solar & Clean Energy
Approved installers, EPC providers, and equipment suppliers for residential and commercial solar.
Technology & Equipment
Inverter manufacturers, battery storage providers, and smart energy system partners.
EV & Charging
Electric vehicle OEMs, charging infrastructure builders, and fleet management solutions.
Are you an installer, OEM, or technology provider? Eco Fintech adds a financing layer that reduces customer drop-off and helps you close more projects.
Become a partnerApplication Checklist
- Basic identification and contact details
- Income or business proof (as applicable)
- Installation proposal or quotation from a partner
- Site details for clean energy solutions
Exact requirements may vary by product, partner, and risk category.
Frequently Asked Questions
Common Questions About Eco Fintech
No — Eco Fintech covers clean energy and e-mobility use cases, including EV purchase financing and charging infrastructure, subject to program design and Shariah board approval.
Eco Fintech is designed for fast decisioning, but timing depends on completeness of documentation and partner readiness. The digital-first approach eliminates much of the delay found in traditional financing workflows.
Yes — partner journeys can be supported through structured workflows and, where applicable, platform integration via our technology partners including Lendverse and AdalFi.
Yes. As Pakistan's first Shariah-compliant green energy fund listed on the PSX, all Eco Fintech products are structured in accordance with Shariah principles and reviewed by our Shariah advisor.