Financing Facilities

• Pledged Based Limits (Cash Finance Facility)
• Working Capital Loan, Demand Finance Facilities and Financing Against Trust Receipt
• Non-funded facilities include Letters of Guarantees & Letter of credit
• Other customised financing needs

Features

• 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.

Requirements

• 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.

Sector

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

Repayment Mode & Frequency

As per facility and crop pattern​

Tenor of Loan

Depending on the type of loan facility & season cycle.​

Collateral Requirements

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

Pricing

Pricing varies customer to customer based on risk profile of customer

Fees and 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