Manufacturing
Services
HBL Small Business Finance (SBF)
Habib Bank Limited (HBL)
Karachi
Updated Jun 02, 2026
Purchase / Construction / Renovation of Building
Payment of Labour & other expenses
Payment to Suppliers
Purchase of Land
Purchase of Machinery and Equipment
Purchase of Raw Material
Guarantee/LC
Eligibility Criteria
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The sponsor/mortgagor/borrower/ must be resident Pakistanis having age between 25 to 65 years.
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A business in operation for at least 3 years.
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Clean ECIB.
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Qualify SBP PRs on SME.
Documents Required
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Loan application Form on Prescribed Format
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Attested photocopy of CNIC of Sponsor/Owner/proprietor/Partners/Directors and mortgagor.
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Copies of last 3 years Income Tax returns filed in the business name, if applicable.
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Copies of last 3 years Income Tax and Wealth Tax returns / statements filed for partners/ proprietor/ directors, if applicable,
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Copy of Title documents (Sale Deeds, Transfer Letter, etc.), latest payment receipt for Property Tax and duties, levies paid in respect of the property and other supporting documents of property offered to the bank as security.
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Copy of current professional association / trade body membership/NTN certificate, if applicable.
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Bank's Charge documents after loan is approved.
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Copy of Rent Agreement of business place (if premises is on rent).
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Two recent Passport size Photographs of the partners / proprietor.
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Stock report in case of Manufacturing and Trading concern.
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Your last paid utility bill and business data.
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Insurance of mortgage property after loan is approved.
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Documents (internal ledgers & sales register) to prepare Financials Evaluation.
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A certified copy of your bank statement for the last 1 year.
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A proprietorship letter or partnership deed or latest form 29 or search report as applicable.
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Evaluation of collateral and legal vetting of property documents.
Collateral
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Equitable mortgage of residential / commercial / industrial properties.
Financial Specs
Max Amount
PKR 15.0M
Markup Rate
As per schedule of charges,
Tenure
RF-On Demand, DF up to 3 years, LG up to 3 years & LC up to 180 days.
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 500k