CREDIT GUARANTEE SCHEME
Eligibility of Sectors:
- Edible Oil
- Cotton Ginning
- Rice Husking
- Trading
Broad Features of the Scheme:

























Eligibility of Borrowers:
The borrowers under the scheme will be Small Enterprises and Farmers of Pakistan.

The Selection Criteria for Eligible Borrowers:
o Business located in Rural areas of Pakistan
o Regular and estimable positive cash flows
o Should have clean e-CIB record
o Fresh borrower
o Collateral-deficient borrower
o Be in conformity with the PRs for SMEs/Agriculture Financing
o In line with the Credit Policy of Banks.

Loan Limit:
Maximum Rs.25.0 (twenty five) million for Small Enterprises and Rs 2.0 (two) million for farmers with
economic landholding.

Documents Required:
1. Loan Application Form
2. Basic Borrower Fact Sheet for Small Enterprises (SE / Agri)
3. Detailed profile of the Business
4. Profile of the Sole Proprietor / Partners / Directors
5. Projected Financials (Cash flows, Balance Sheet, Income Statement) equal to tenor of loan
6. Exiting Financials for last 3 years (Cash flows, Balance Sheet, Income Statement) (in case of
existing business)
7. Details of the Collateral / Property
8. Valuation Report (from PBA approved valuator) of the Property
9. CNIC of the Applicant
10. One passport size photograph of the applicant

Downloads (English):
1.Loan Application Form
2.Borrower Basic Fact Sheet for Small Enterprises (SE)
3.Borrower Basic Fact Sheet for Medium Enterprises (ME)

Downloads (Urdu):
1.Loan Application Form
2.Borrower Basic Fact Sheet for Small Enterprises (SE)
3.Borrower Basic Fact Sheet for Medium Enterprises (ME)
Product
Tenor
Collateral
Term Loan
One Year (1) to
Three (3) Years
  - Land / Property and/or Cash / Near Cash
   - Personal Guarantee of the Borrower / Owner of the property
Running Finance
One Year
   - Land / Property and/or Cash / Near Cash
   - Personal Guarantee of the Borrower / Owner of the property
Cash Finance
One Year
  - Pledge of Oil Seed, Rice & Cotton
   - Personal Guarantee of the Borrower / Owner of the property