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HBL Business Finance

Today’s businesses are dynamic and fast paced. At HBL, we recognize the need for a quick and convenient financing facility that can cater to their financial needs. With HBL Business Finance, Small and Medium sized businesses can now avail financing of up to PKR 25.0 Million.


  • Complete financing package for meeting working capital, trade, guarantees and business expansion needs of your business.
  • Financing up to PKR 25.0 Million.
  • Quick and convenient processing.
  • Competitive markup/installment rates and processing fee.
  • No stock insurance is required.


  • 25 to 65 years of age
  • The sponsor/mortgagor/borrower/ must be resident Pakistanis
  • A business in operation for at least 3 years
  • A valid CNIC
  • Loan application Form
  • Copies of last 3 years Income Tax returns filed in the business name, if applicable
  • Copies of last 3 years Income Tax and Wealth Tax returns / statements filed for partners/ proprietor/ directors, if applicable
  • Copy of Title documents (Sale Deeds, Transfer Letter, etc.) and other supporting documents of property offered to the bank as security
  • Copy of latest payment receipt for Property Tax and duties, levies paid in respect of the property offered to the bank as security, if applicable
  • Copy of current professional association / trade body membership, if applicable
  • Rent Agreement of business place (if premises on rent)
  • Two recent Passport size Photographs of the partners / proprietor
  • Your last paid utility bill and business data
  • A certified copy of your bank statement for the last 2 years
  • A proprietorship letter or partnership deed or latest form 29 or search report as applicable
  • Evaluation of collateral and legal vetting of property documents

*Financing facilities are approved at bank’s discretion. 

Repayment Mode & Frequency

RF: Quarterly
DF: Repayable in equal monthly installments consisting of principal and mark-up.
FATR: at maturity
Mark-up payments can be made through direct debits / online and deposits at branch counters.

Tenor of Loan

Running Finance- On Demand
Demand Finance- Up to 5 years
Finance Against Trust Receipt- up to 120 days
Letter of Guarantee- Up to 3 years
Letter of Credit- Up to 120 days


Running Finance/ FATR: 3 months average asking KIBOR plus applicable spread
Demand Finance: 1 year average asking KIBOR plus applicable spread
Letter of Guarantee/Letter of Credit- As per Schedule of Bank Charges​

Fees and Charges

As per schedule of charges

Please visit our nearest branch for further details.​