SME

• Annual sales turnover up to PKR 150 Million
• Financing limit up to PKR 100 Million

• Annual sales turnover above PKR 150 Million and up to PKR 800 Million
• Financing limit up to PKR 500 Million

• Businesses up to 5 years old may be considered Start Ups under SE or ME categories

• Businesses exceeding these limits may be reclassified as Medium Enterprise or Corporate
• Sole proprietor age guideline is up to 60 years, extendable to 65 years subject to approval

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• Shariah compliant and Riba free financing structures
• Solutions for daily operations, expansion, and trade
• Access to government backed and subsidized SME schemes
• Nationwide branch network and digital banking support

• Current accounts with zero account maintenance charges
• Multiple currency options including PKR, USD, EURO, GBP, and JPY
• Low cost fund transfers
• Foreign exchange services
• Nationwide network of over 340 branches
• Unlimited online intercity and within city transactions
• Free cash deposits and withdrawals at all branches

Learn More: Difference between Islamic and conventional liability side banking kindly clickDownload Single Loan Application Form

• Current accounts with zero account maintenance charges
• Multiple currency options including PKR, USD, EURO, GBP, and JPY
• Low cost fund transfers
• Foreign exchange services
• Nationwide network of over 340 branches
• Unlimited online intercity and within city transactions
• Free cash deposits and withdrawals at all branches

Learn More: Difference between Islamic and conventional liability side banking kindly click

Download Single Loan Application Form

• BankIslami leases an asset to your business for an agreed period against fixed rentals, with an option to purchase the asset at the end of the term.

Learn More: Difference between Islamic and conventional long term financing kindly click

• Joint ownership between BankIslami and the client, where the client gradually purchases the bank’s share while paying rent during the tenure. This facility can also be used to pay off conventional financing.

Learn More: Difference between Islamic and conventional long term financing kindly click

• We offer Shariah compliant trade solutions for opening Letters of Credit (Sight and Usance) and registration of import contracts for eligible commodities to support local and international trade.

• Export activities are supported through LC advising and handling of export documents on a collection basis with correspondent banks worldwide.

• We provide Letters of Guarantee including bid bonds, performance guarantees, and advance payment guarantees to meet transaction-related requirements of SME clients.

• When standard products are not enough, our structured solutions are designed around your specific cash flows and operational needs.

• A long term solution to meet permanent working capital needs by leveraging your existing assets.

• Financing up to PKR 50 Million for Small Enterprises
• Financing up to PKR 100 Million for Medium Enterprises
• Cash backed approvals up to PKR 200 Million
• Tenure up to 5 years with flexible repayment options

• Designed to support renovation, expansion, and development of hotels and resorts, especially in tourist regions.

• Financing up to PKR 100 Million
• Tenure up to 5 years with flexible payment options
• Financing for renovation and expansion projects
• Flexible repayment options for seasonal and year round operations
• Suitable for budget and mid range hotels

BankIslami Tameer Finance Facility is a tailored Shariah-compliant financing solution designed to support the development and enhancement of infrastructure for Small and Medium Enterprises (SMEs) and commercial entities. This facility enables businesses to acquire land, construct, renovate, or expand their commercial, industrial, or operational premises.

• Financing up to PKR 50 Million
• Tenure up to 10 Years with flexible payment options
  

Financing for commercial and non-commercial vehicles used in business.

• Tenure up to 5 years
• Security: Hypothecation on financed vehicles
  

• Instant liquidity for suppliers associated with leading corporate entities through a digital platform.

• Financing from PKR 500,000 to PKR 50 Million
• Short term financing cycles up to 180 days
• Disbursements against accepted invoices

• Subsidized profit rates starting from 5 percent
• Support for start ups and existing businesses
• Financing for working capital, machinery, vehicles, and civil works
• Simple application process with minimal processing fee

• Pakistani citizens aged 21 to 45 years
• IT and E Commerce businesses eligible from age 18
• SMEs, start ups, and agriculture sector participants

• CNIC copy of proprietor.
• Request for credit facility on Letterhead.
• Basic borrower fact sheet duly signed & stamped on each page by proprietor.
• Sole Proprietorship Declaration.
• Personal net worth statement of Proprietor.
• Last three years financial statements signed by Proprietor.
• Company Profile.
• Latest stock report.
• Latest ageing of receivables.
• Last six-month bank statement with other banks.

• CNIC copy of all partners.
• Request for credit facility on Letter head.
• Basic borrower fact sheet duly signed & stamped on each page by authorized signatories.
• Personal net worth Statement of all partners.
• Last three years Financial Statements signed by authorized signatories.
• Company profile.
• Latest stock report.
• Latest ageing of receivables.
• Last six-month bank statement with other banks.

• CNIC copy of all directors.
• Request for credit facility on Letter head.
• Basic borrower fact sheet duly signed & stamped on each page by authorized signatories.
• Board resolution.
• Form A.
• Latest form 29,
• Memorandum of association (MOA) & Article of association (AOA).
• Certificate of Incorporation (COI).
• Personal net worth statement of all directors.
• Last three years financial statements signed by authorized signatories.
• Company profile.
• Latest stock report.
• Latest aging of receivables.
• Last six-month bank statement with other banks.