Agriculture
Manufacturing
Islamic Refinance Scheme for Working Capital Financing of Small Enterprises and Low-End Medium Enterprises
Faysal Bank
Karachi
Updated Jun 02, 2026
Others
Eligibility Criteria
-
Financing is allowed for working capital requirements only, i.e. mainly for financing stocks (receivable financing is not permitted in Islamic banking)
Documents Required
-
Company profile.
-
CNIC of all sponsors
-
SBP's LAF
-
Audited or Management Financing.
-
Exact utilization of funds.
-
Repayment plan.
-
Future cash flows.
-
Other documents/information may be required considering the sector where the client operates.
Collateral
-
For well-established companies, FBL may allow financing against personal guarantees and hypothecation of current or fixed assets.
-
For larger exposures, hypothecation over current or fixed assets with tangible collateral will be required.
Financial Specs
Max Amount
PKR 50.0M
Markup Rate
Avg. KIBOR + spread 6 % to 6 %
Tenure
A maximum tenor is allowed for up to 1 year, considering the company's cash cycle.
Processing Fee
As per bank policy
Dedicated Bank Representative
Contact the authorized representative for this product to get personalized guidance and fast-track your application.
Minimum Loan Amount
PKR 25.0M