SME banking
Enterprises
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Small Enterprises:

Annual Sales Turnover: Upto Rs.150 M
Max Financing allowed: Upto Rs. 100 M

Small Enterprise upto 5 years old will be considered as Startup SE.

 


Medium Enterprises:

 Annual Sales Turnover: Rs.150 Mn Upto Rs.800 M
Max Financing allowed: Upto Rs.500 M

Medium Enterprise upto 5 years old will be considered as Startup ME

 

How to Apply:


Following are the set of basic documents required to process client’s financing request:


Documents Required for Small Enterprises:

 

  • Company Profile
  • Request for Financing
  • Last three years accounts signed by Proprietor/Partners/Directors of the firm
  • Projections with assumptions (in case of long term finance)
  • Memorandum & Article of Association (In case of Private Limited Company)
  • Basic Borrower Fact Sheet duly signed & stamped by Proprietor/Partners/Directors
  • Personal net worth statement of Proprietor/Partners/Directors
  • Stock Report
  • Ageing of Receivables
  • Copy of CNIC of Proprietor/Partners/Directors
  • Import/Export business certificates from banks. (If applicable)
  • Last One year bank statement
  • Form-H and Partnership Deed (in case of partnership Firm)
  • Valuation report and legal opinion etc

Documents Required for Medium Enterprises

 

  • Company Profile
  • Request for Financing
  • Audited Accounts of last three years accounts
  • Projections with assumptions (in case of long term finance)
  • Memorandum & Article of Association (In case of Private Limited Company)
  • Basic Borrower Fact Sheet duly signed & stamped by Proprietor/Partners/Directors
  • Personal net worth statement of Proprietor/Partners/Directors
  • Stock Report
  • Ageing of Receivables
  • Copy of CNIC of Proprietor/Partners/Directors
  • Import/Export business certificates from banks. (If applicable)
  • Last One year bank statement
  • Security /Collateral Documents
  • Valuation report and legal opinion etc

Financial Documentation Requirements:

  • For financing above Rs. 50 millionQCR (Quality Control Review)-compliant audited financials are now mandatory.
  • Audited financials must also be UDIN-verified (Unique Document Identification Number) to ensure authenticity.

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