Financing Facilities

• ​Funding facilities include Trade Financing, working capital loans and Demand Finance facilities.
• Non-funded facilities include Letters of Guarantee and Letters of Credit.

Features

• Affordable Financing Solutions to fulfill business liquidity needs.
• Secured against residential/commercial/industrial property.
• Competitive markup/installment rates and processing fee.
• Quick and convenient processing.

Requirements

• The borrower must fulfill the bank and applicable regulatory policies.
• A valid CNIC of borrower/sponsors/ mortgagor.
• Any other requirement which the bank may deem necessary from time to time.
• A proprietorship letter or partnership deed or form A and form 9
• The primary sponsor/ mortgagor / borrower must be resident Pakistanis

*Financing facilities are approved at bank’s discretion.

Amount of Finance

Depending on the business need assessment

Sector

All Sectors of the Industry.

Repayment Mode & Frequency

Quarterly mark-up and installment repayments. Transactional financing according to internal cash generation of business and or pre decided terms with customers.

Tenor of Loan

Depending on the business need assessment

Collateral Requirements

Exposure to be covered through tangible collateral with margin as per facility structure

Pricing

Pricing varies customer to customer based on risk profile of customer

Fee & Charges

​As per schedule of charges

Disclaimer

This is to inform you that the State Bank of Pakistan (SBP) will include two years’ history of negative / overdue information (including but not limited to overdue payments, late payments, write-off or reversal of mark-up etc.) in e-CIB. You are, therefore, advised to ensure timely payment of your instalment/ markup to avoid any adverse information being reported or reflected on your e-CIB​