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HBL POS Finance

HBL values our business partners. Hence we are rewarding our alliance with our Point of Sales machine users through an innovative, one of a kind, financing solution to help them meet the day to day working capital requirements of their businesses.


  • Working Capital financing facility exclusively for businesses using HBL Point of sales machines.
  • Financing up to PKR 15.0 million.
  • No charge/lien on property or fixed assets required.
  • Revolving Credit Limit to meet day-to-day business expenses.
  • Quick Processing
  • Competitive markup rate and processing charges.
  • Available in all major cities of the country.


  • Businesses using HBL POS machines for at least 02 years.
  • Average annual transaction of at least PKR 2.0 million through the POS machine.
  • Clean Credit History.
  • Pakistan Resident aged between 21 years to 65 years (Sole proprietor up to 60 years).
  • A business in operation for at least 03 years.


  • HBL POS finance will be extended for a period of one year on revolving basis, renewable annually.


  • 3 months average asking KIBOR plus applicable spread.

*Financing facilities are approved at bank’s discretion.