Responsible microcredit and livelihood-focused financial solutions for rural and low-income communities across Sri Lanka.
Explore Loan Services Make an InquirySupporting individuals, entrepreneurs and farmers through accessible finance and technology-driven agriculture.
Rural microcredit, small business loans, vehicle microcredit, personal micro loans and agricultural financing solutions.
View Services →Modern farming, high-density cultivation, irrigation technology and sustainable agricultural production.
Explore CCH Agro Farm →Commercial Capital Holdings & Credit Limited is a fast-growing organization that originated in Thantirimale, Anuradhapura, Sri Lanka, having initially been registered as a private limited company in 2021 and subsequently transitioned into a Non-listed public company in 2023. Our primary objectives are to eradicate rural poverty, uplift small-scale businesses, develop children's education, and achieve comprehensive regional development, with our financial and developmental services currently expanding across both the Central and North Central provinces. To strengthen the rural economy, we bring modern agricultural technology, business knowledge, and market opportunities directly to the community while providing microcredit services designed for a \"win-win\" situation—enabling individuals to improve their living standards through loans for acquiring small machinery, equipment, and agro-tractors in alignment with economic realities.
Empowering rural and agricultural economies through modern technology and trusted financial strength to build a prosperous tomorrow free from poverty.
Providing fast and reliable financial solutions to the needs of rural communities while bringing modern agricultural technologies and appropriate advisory services closer to them.
Meet the experienced professionals guiding CCH Credit through trusted finance, rural development, property valuation and modern agricultural innovation.
Mr. Janaka Kumarasinghe is a seasoned professional and visionary entrepreneur with over 10 years of extensive experience in the finance industry. He has demonstrated exceptional expertise and leadership during his tenure at leading Sri Lankan financial institutions, including Orient Finance PLC, Sarvodaya Development Finance, and Alliance Finance.
He holds a BSc. in Estate Management & Valuation from the University of Sri Jayewardenepura and completed a Postgraduate Diploma in Marketing at the Sri Lanka Institute of Marketing (SLIM), achieving island-best results. He is also an active Member of SLIM.
Combining deep industry expertise with strong strategic acumen, he drives sustainable business growth and innovative financial solutions aimed at empowering local communities and standardizing modern financial practices.
Ruwan Bandara is a senior expert with over 20 years of distinguished experience in microcredit, rural development, and grassroots community empowerment. His career has focused on eradicating rural poverty through genuine community enrichment initiatives that extend beyond simple financial assistance.
Working directly at grassroots level, he has a deep understanding of the economic and social challenges faced by local communities. He specializes in designing and executing tailored community development projects that uplift communities from the ground up.
He brings extensive expertise in structuring and managing small-group lending systems, local credit cooperatives, and micro-financing societies that promote self-employment and small-scale entrepreneurship. He is dedicated to strengthening rural economies, improving financial literacy, and guiding individuals toward sustainable income-generating opportunities.
Udeshika Ranatunga is a distinguished Director and lead expert in property valuation, bringing extensive industry experience and professional mastery to the company’s executive leadership.
A graduate of the University of Sri Jayewardenepura and a qualified member of the Valuation Association in Sri Lanka, her professional expertise centers on comprehensive property and real estate valuation.
She possesses deep technical knowledge in agricultural property valuation, land assessments, sustainable agro-development, and the integration of modern agricultural technologies. She also oversees the company’s agro-financing operations, combining agricultural innovation with strategic financial management to support risk mitigation, precision, and enterprise growth.
Select a service to submit an inquiry. Final approval is subject to company assessment and applicable terms.
Financial assistance for crop cultivation, irrigation, agricultural inputs and farming machinery.
Suitable for: Land preparation, seeds, fertilizer, irrigation systems, seasonal cultivation and agricultural improvements.
Eligibility: Age 18+, agro land ownership or lawful cultivation access, a clear agricultural purpose and willingness to adopt productive farming practices.
Community impact: Supports farmers to improve productivity, strengthen rural household income and develop sustainable agricultural livelihoods.
Start Your Inquiry →Small-scale financing for village shops, home-based enterprises, self-employment and business expansion.
Suitable for: Working capital, stock purchases, equipment, shop improvements, new business plans and income-generating activities.
Eligibility: Age 18+, an existing business or practical business plan, identifiable income activity and a clear financing requirement.
Community impact: Encourages entrepreneurship, supports low-income households and creates opportunities for self-employment and local economic development.
Start Your Inquiry →Microcredit facilities for eligible personal requirements and income-generating vehicle-related purposes.
Suitable for: Business transport, delivery services, three-wheelers, mobility requirements and other approved financing purposes.
Eligibility: Age 18+, clear financing purpose, repayment capacity and documents required for the relevant facility.
Community impact: Improves mobility, supports transport-based livelihoods and helps small operators access wider markets and customers.
Start Your Inquiry →Financing support for productive tools, machinery and equipment that improve efficiency and business capacity.
Suitable for: Tractors, drip irrigation kits, solar systems, agricultural equipment, production tools and other approved machinery.
Key benefit: Helps entrepreneurs and farmers invest in productive assets, reduce operational limitations and increase output.
Community impact: Promotes technology adoption, productivity improvement and stronger income-generating enterprises in rural communities.
Start Your Inquiry →
A 15-acre commercial agricultural project in Thanthirimale, Anuradhapura, using modern technology to achieve quality and high yields.
Our cultivation includes watermelon, pumpkin, bitter gourd, papaya, banana, green chilli and bell peppers.
Send us your requirements. Our team can contact you for further information.
No.34 Kandy Road,
Thalatuoya, Kandy,
Sri Lanka
Hotline: +94 81 314 1631
Office: +94 25 312 0642
WhatsApp: +94 76 604 4932
Email: capital@cchcredit.com
