WORKING CAPITAL
Broad Features:























Tenor:
-Maximum up to 1 year.

Loan Limit:
-Small Enterprises: Maximum Rs.25 (twenty five) million from single Bank/DFI or from all Banks/DFIs.
-Medium Enterprises: Maximum Rs 200 (two hundred) million, including leased assets, from single Bank/DFI or from all Banks/DFIs.

Documents Required:
1.Loan Application Form
2.Basic Borrower Fact Sheet for Small / Medium Enterprises (SE / ME)
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) as follows:
a.In case of Small Enterprises & loan amount upto Rs. 15M: Financials signed by the borrower.
b.In case of Small Enterprises & loan amount above Rs. 15M: Financials audited by practicing Chartered Accountant or practicing Cost & Management Accountant.
c.In case of Medium Enterprises who is a limited company & loan amount above         Rs. 10M: Financials audited by practicing Chartered Accountant.
d.In case of Medium Enterprises who is other than a public company or a private company which is a subsidiary of a public company & loan amount up to Rs. 10M: Financials audited by practicing Cost & Management Accountant.
7.Details of the Collateral / Property
8.Valuation Report (from PBA approved valuator) of the Property, Plant & Machinery 
9.Latest Stock Report
10.Latest Receivables Report
11.CNIC of the Applicant
12.One passport size photograph of the applicant
13.In case of Private / Public Limited Company:
a.Memorandum & Articles of Association
b.Latest Form A
c.Latest Form 29
d.Certificate of Incorporation
e.Latest Search Report
f.Income Tax Registration Certificate
14.In case of Partnership:
a.Partnership Deed
b.CNIC copy of all the partners

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
Collateral
Running Finance
- Mortgage of property with 25% margin.
- 1st charge on Fixed Assets / Current Assets of the Company with 25%
margin / Cash / Near Cash Collateral
- Personal Guarantee of the proprietor / partners / directors of the
Company
         -       Personal Guarantee of the Owner of the Property 
Cash Finance
- Pledge of stock (acceptable to the Bank) with 25% margin duly insured in
godown under supervision of bank’s approved muccadam.   
- Personal Guarantee of the proprietor / partners / directors of the
Company