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HBL PhoneBanking 111-111-425

HBL SmallBusinessFinance

HBL Small Business Finance offers Running Finance, Demand Finance, Letter of Guarantees and Letter of Credit against mortgaged of residential/ commercial/ industrial properties.


  • Financing up to PKR 15 million
  • Complete financing package for meeting working capital, guarantees and business expansion needs of your business.
  • Quick and convenient processing.
  • Competitive markup/installment rates and processing fee.
  • No stock insurance is required.


  • The sponsor/mortgagor/borrower/ must be resident Pakistanis having age between 25 to 65 years
  • A business in operation for at least 3 years
  • Attested photocopy of CNIC of Sponsor/Owner/proprietor/Partners/Directors and mortgagor
  • Loan application Form on Prescribed Format​

  • 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.), latest payment receipt for Property Tax and duties, levies paid in respect of the property and other supporting documents of property offered to the bank as security
  • Copy of current professional association / trade body membership/NTN certificate, if applicable
  • Bank’s Charge documents after loan is approved
  • Copy of Rent Agreement of business place (if premises is on rent)
  • Two recent Passport size Photographs of the partners / proprietor
  • Stock report in case of Manufacturing and Trading concern
  • Your last paid utility bill and business data
  • Insurance of mortgage property after loan is approved
  • Documents (internal ledgers & sales register) to prepare Financials Evaluation
  • A certified copy of your bank statement for the last 1 year
  • 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.

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 3 years

Letter of Guarantee- Up to 3 years

Letter of Credit- Up to 180 days


Running Finance: 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.​