LB CIM Merchant

LB CIM Merchant – So Simple. So Powerful.

Welcome to the new LB CIM Merchant App — your digital finance lifestyle companion. Reimagined with a modern design and powered by AI, LB CIM brings everything together in one secure, seamless experience.
Whether you're saving, borrowing, or making everyday payments, LB CIM puts the power of financial control in your hands.
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Key features
• Fully digital onboarding — no branch visits required
• Open and manage fixed deposits and savings accounts from anywhere
• Apply for instant personal and business loans
• Get instant loans against your fixed deposits
• Access gold loan and business loan top-ups instantly
• Track and manage your loans, leases, and deposits
• Download your WHT certificate directly from the app
• Schedule payments and receive reminders
• Transfer funds to any bank or CIM Wallet
• Top up your CIM Wallet from your linked bank account
• Pay utility bills, reload mobile, settle credit cards, and insurance premiums
• Scan and pay securely using LankaQR
• View all your financial activity in one smart dashboard
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Smarter lending with AI
Our AI-powered credit scoring provides real-time loan decisions and tailored offers. Apply digitally, sign digitally — get disbursed instantly.
• Loans from Rs. 25,000 upwards
• Top-ups for gold and business loans
• Repayment terms: 3 to 24 months
• 100% paperless experience
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Eligibility
• Sri Lankan citizen aged 18+
• Minimum monthly income: Rs. 25,000
• Verified CIM Wallet account
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Documents required
• NIC, passport, or driving license
• Proof of address
• Recent pay slips and bank statements
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Maximum Annual Percentage Rate (APR)
• 24 months – 24.03%
• 18 months – 24.27%
• 12 months – 25.10%
• 9 months – 25.00%
• 6 months – 25.71%
• 3 months – 27.86%
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Representative loan example (24 months)
• Loan amount: Rs. 150,000
• Interest: Rs. 71,834
• Processing fee: Rs. 3,000
• Stamp duty: Rs. 150
• In-hand amount: Rs. 146,850
• Total repayable: Rs. 221,856
• Monthly installment: Rs. 9,244
• APR: 24.03%
Fees are deducted upfront. APR may vary by tenure.
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Trusted and certified
LB CIM Merchant is developed by LB Finance PLC, licensed by the Central Bank of Sri Lanka and secured by LankaPay and TechCERT. Deposits are insured under the CBSL Deposit Insurance Scheme.
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Award-winning fintech innovation:
• FITIS Digital Excellence Awards
• NBQSA National ICT Awards
• LankaPay Technnovation Awards
• ICSDB Excellence Awards for Sustainable & Digital Business
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LB CIM Merchant– So Simple. So Powerful.
Your digital finance lifestyle, now in one app.