In order to cater to the Value Chain Financing needs of the borrower, set of guidelines has been developed that extends working capital finance to dealers/vendors having business relationships with corporates in Pakistan. The facility to dealers/vendors are offered under bilateral agreement with corporates. The program consists of following variants:
The facility looks at supporting distributors by providing a restricted Running Finance facility to finance their purchases from large corporates.
The purpose of this facility is to provide early payment options to suppliers of Corporates. Facility includes receivable finance, payable discounting and invoice financing.
and steady source of financing
and easy processing of loan
after sales service
Entity Status (partnership, proprietorship or company)
of relationship to be mutually agreed by principal and HBL
concern for at least two years
annual turnover to be mutually agreed by principal and HBL
primary sponsor must be resident Pakistani aged between 21 years to 70 years
Running Finance: 3 months average asking
KIBOR plus applicable spread
Invoice Finance: Matching tenor average asking KIBOR plus applicable spread
per schedule of charges
3 Years Audited Financials
for next Year
breakdown with Corporates
details ( list of products offered)
Update and Future planning
of other bank relation
Financing arrangements of HBL with respective corporate.
(Mortgage land & Building, Hypothecation of stocks & receivable)
Guarantees and insurance of assets where applicable
with relevant Prudential Regulations of SBP
*Financing facilities are approved at bank's discretion.