Commercial Credit and Finance PLC

Financial Services90% confidence

Commercial Credit and Finance PLC is a licensed Sri Lankan finance company offering fixed deposits, vehicle leasing, microfinance, gold loans, business loans, and other credit products to individuals and businesses.

Kandy, Sri Lanka
cclk.lk

About Commercial Credit and Finance PLC

Commercial Credit and Finance PLC is a non‑bank financial institution based in Sri Lanka and licensed by the Monetary Board of the Central Bank of Sri Lanka under the Finance Business Act. The company, founded in 1982, provides a broad portfolio of financial products including fixed deposits, vehicle leasing and hire purchase, microfinance and SME loans, educational loans, gold loans, consumer and personal loans, revolving business loans, and other investment and credit facilities. It operates through a large branch network across Sri Lanka and serves millions of customers ranging from individual savers to small businesses and larger enterprises. ([cclk.lk](https://www.cclk.lk/?utm_source=openai))

A charge labeled something like “COMMERCIAL CREDIT SR” on a card or bank statement is likely related to one of Commercial Credit and Finance PLC’s financial products or services. This could include loan disbursements or repayments, lease or hire‑purchase installments, interest or fee charges on credit facilities, fixed‑deposit related transactions, or fees tied to microfinance or SME products. In some cases, you might also see temporary authorization holds when a new payment method is added or when they verify a card before processing a loan repayment or other transaction.

If you have questions about a charge, first review your recent loan, lease, deposit, or microfinance agreements and any payment schedules provided by Commercial Credit and Finance PLC. Compare the transaction date and amount with your repayment due dates or deposit instructions. You can then contact the company directly using the phone numbers or email listed on their official website or on your loan/deposit documentation; branch staff can also look up your account and explain specific debits or fees. Keep your NIC/passport number, agreement number, and card details handy when you call, and if you suspect an error or unauthorized activity, immediately notify both Commercial Credit and Finance PLC and your bank or card issuer to dispute or block the transaction while it is investigated.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Commercial Credit and Finance PLC.

  1. COMMERCIAL CREDIT SR

Frequently Asked Questions

Why do I see a charge from “COMMERCIAL CREDIT SR” on my card or bank statement?

This descriptor likely refers to Commercial Credit and Finance PLC in Sri Lanka and usually represents a payment related to one of their products—such as a loan installment, leasing or hire‑purchase payment, interest or fee charge, or a transaction tied to a fixed deposit or microfinance facility. Check your latest loan or deposit documentation to match the date and amount with your payment schedule.

What types of products from Commercial Credit and Finance PLC commonly result in recurring charges?

Recurring charges most often come from monthly or weekly installments on vehicle leases and hire‑purchase agreements, microfinance and SME loans, consumer or personal loans, and term loans. These payments are often set up as standing orders or automated card/bank debits based on the repayment schedule in your agreement. ([cclk.lk](https://www.cclk.lk/?utm_source=openai))

Could this Commercial Credit and Finance PLC charge be related to a fixed deposit?

Yes, in some cases transactions may be linked to fixed deposit products—for example, transfers of interest income to your linked account, early‑withdrawal penalties, or adjustments when a deposit is renewed or closed. Review your fixed deposit certificate and any maturity or renewal notices you have received to see if the timing matches the charge. ([cclk.lk](https://www.cclk.lk/?utm_source=openai))

How can I verify which account or loan at Commercial Credit and Finance PLC a charge belongs to?

Gather the transaction details (amount, date, last four digits of the card or account) and any reference numbers shown on your statement, then contact Commercial Credit and Finance PLC via the customer service numbers or email listed on cclk.lk or visit your nearest branch. Provide your NIC/passport number and loan or deposit agreement number so staff can search their system and confirm exactly which facility generated the charge. ([cclk.lk](https://www.cclk.lk/?utm_source=openai))

How do I dispute a charge or request a refund from Commercial Credit and Finance PLC?

Start by contacting Commercial Credit and Finance PLC’s customer service or your servicing branch, explaining why you believe the charge is incorrect and providing supporting documents such as statements or receipts. If it’s a genuine billing error—like a duplicated installment or misapplied fee—they can usually reverse or adjust it. At the same time, inform your bank or card issuer so they can place a temporary dispute or hold if necessary while the matter is investigated.

Does Commercial Credit and Finance PLC place temporary authorization holds on cards?

They may place small, temporary authorization holds when verifying a debit or credit card for automated loan repayments or other electronic transactions. These holds check that the card is valid and has available funds and typically drop off automatically within a few days without resulting in a final posted charge.

How can I change, pause, or settle my repayment plan with Commercial Credit and Finance PLC?

If you wish to reschedule, temporarily reduce, or fully settle your loan or lease, visit your servicing branch or call the company using the contact details on their website. A credit officer can explain settlement amounts, any applicable early‑settlement discounts or fees, and whether a revised repayment plan can be arranged based on your current financial situation. Always obtain updated written terms or a revised schedule before assuming any change is in effect.

What are common charge amounts I might see from Commercial Credit and Finance PLC?

Amounts vary widely depending on the product: microfinance or consumer loans may result in smaller, more frequent installment debits, while vehicle leasing, SME loans, or revolving business facilities often generate larger monthly payments. You may also see smaller figures that correspond to service fees, late payment charges, or interest‑only debits in between principal installments, as outlined in your specific agreement.

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