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HBL PhoneBanking 111-111-425

Seasonal Finance

HBL Seasonal finance caters to the seasonal financing needs of Flour mills, Cotton Ginning mills, Rice husking, Oil seed and Pulses (daal) processing mills based on past performance and installed capacity. We partner with our seasonal customers to fulfill their seasonal financial needs to make seasonal operations more profitable for our clients

Financing Facilities

Cash Finance, Running Finance, Demand Finance, Financing Against Trust Receipt & Letter of Guarantees depending of credit assessment / Financing needs of clients.


  • 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.


  • 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.

*Financing Facilities are approved at Bank's discretion.

Amount of Finance

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


Flour Mills, Rice Husking / Processing, Cotton Ginning, Oil Seed, Pulses (Daal Processing)

Tenor of Loan

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


Pricing varies customer to customer based on risk profile of customer

Collateral Requirements

Secured against residential/commercial/industrial property.

Fees and Charges

​As per schedule of charges

Repayment Mode & Frequency

As per facility and crop pattern​