The prospective customer should meet the following acceptance criteria:

1. They should be resident Pakistani(s).
   
   
2. Their constitution can be individuals, sole proprietorships, partnerships, private limited companies & public limited companies.
   
   
3. Age of the prospective customer (individuals/proprietor) should not exceed 65 years at the maturity of loan.
   
   
4. Customers should be operating the existing business at least for the last 3 years.
   
   
5. The security against Alfalah Milkiat Finance should be mortgage of urban commercial/industrial property (ies).
   
   
6. Minimum equity participation of the SME shall be 30% under AMF 1 & AMF 3. No equity participation required for AMF 2 & AMF 4.