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HBL PhoneBanking 111-111-425

Seasonal Finance

HBL Seasonal finance caters to the financing needs of Flour mills, Cotton Ginning mills, Rice husking, Oil seed and pulses (dall) processing mills based on past performance and installed capacity.


  • Cash finance and Running finance facility to meet working capital needs.
  • Adjustment of facilities over a specified time frame.
  • Credit models based on market research used for limit calculation of CF/RF/DF/LG/FATR.
  • Competitive mark-up rates.
  • Any other requirement which the bank may deem necessary from time to time.


  • 18 to 60 years of age.
  • A business in operation for at least 3 years.
  • Regular utility bill payment history for last 6 months.

  • A proprietorship letter or partnership deed or latest form 29.
  • A valid CNIC.
  • The primary sponsor/ mortgagor / borrower must be resident Pakistanis

  • The borrower must fulfill the bank and applicable regulatory policies.

  • Any other requirement which the bank may deem necessary from time to time.

Amount of Finance

​Limit amount calculation through indigenously developed credit model for facilities based on past season production, capacity and account credit turnovers, etc.

Tenor of Loan

From start to end of season –Maximum up to 10 months​


Funded Facilities-3 months average asking KIBOR plus applicable spread

Non Funded Facilities-As per Schedule of Bank Charges​

Collateral Requirements

Minimum 33% of Force Sale Value of the mortgaged property for CF limits only.

Minimum 50% of Force sale value of the mortgaged property for Combined / Mixed limits (CF with RF/DF/LG etc.)

Fees and Charges

​As per schedule of charges

Repayment Mode

As per facility and crop pattern​

*Financing facilities are approved at bank's discretion.