Term Loan

Loan Details

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.

Tenor:

Collateral:

Mortgage of property with 25% margin.
1st charge on Fixed 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

Loan Application Form
Basic Borrower Fact Sheet for Small / Medium Enterprises (SE / ME)
Detailed profile of the Business
Profile of the Sole Proprietor / Partners / Directors
Projected Financials (Cash flows, Balance Sheet, Income Statement) equal to tenor of loan
Exiting Financials for last 3 years (Cash flows, Balance Sheet, Income Statement) as follows:
1. In case of Small Enterprises & loan amount upto Rs. 15M: Financials signed by the borrower.
2. In case of Small Enterprises & loan amount above Rs. 15M: Financials audited by practicing Chartered Accountant or practicing Cost & Management Accountant.
3. In case of Medium Enterprises who is a limited company & loan amount above Rs. 10M: Financials audited by practicing Chartered Accountant.
4. 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.
Details of the Collateral / Property
Valuation Report (from PBA approved valuator) of the Property, Plant & Machinery
CNIC of the Applicant
One passport size photograph of the applicant
In case of Private / Public Limited Company:
1. Memorandum & Articles of Association
2. Latest Form A
3. Latest Form 29
4. Certificate of Incorporation
5. Latest Search Report
6. Income Tax Registration Certificate
In case of Partnership:
1. Partnership Deed
2. CNIC copy of all the partners