At times, businesses can experience challenges with an unavailability of finances as a result of the difference in timings of cash inflows and outflows, up-gradation of existing facilities and business expansion.
Our dedicated team of relationship managers can provide you with a range of business loans and solutions to meet your specific short-term or long-term funding and business expansion requirements.
Bank Alfalah Fleet Financing: https://www.bankalfalah.com/business-banking/sme-loans/alfalah-fleet-finance/
Are your business transportation needs being met?
With Bank Alfalah Fleet Finance you can take foot off the brake. Bank Alfalah Fleet Finance offers term loan facility that allows you to acquire Passenger Vehicles for your employees or commercial vehicles for your business. With commercial vehicles we also offer the financing of Body / fabrication. So get in gear and go ahead the distance.
No Additional Collateral
Customized Financing solutions to meet your cash flow streams
Affordable markup rates
Repayment tenure of 1 to 5 years
Quick processing and disbursement of Loan Facility
Minimal processing charges
Residual Value/Bullet Payment Option
Balloon Payment Option
Vehicle Replacement Option
Bank Alfalah Fleet Finance is available for a variety of Vehicles (imported/local) but not limited to the following:
Private Vehicles Local / Imported / Used / Reconditioned (Cars, SUVs, etc)
Commercial Vehicles Local / Imported /Used / Reconditioned (Trucks, Buses etc.)
Light Commercial Vehicles Local / Imported /Used / Reconditioned (Pickups, Tractors etc.)
Body / Fabrication Attached to a Commercial Vehicle (Not to be Financed Separately)
Proprietorship, Partnership and Private / Public Limited Companies; while in the same business since the last 3 years
Maximum age at the time of application is 60 years for self-employed/sole proprietor of the business (no other types of businesses)
Personal guarantee(s) of proprietor, partners and directors
The title of the Financed vehicle will be in the name of the customer and Bank Alfalah’s Lien will be marked on the title of the vehicle
Security cheque covering full limit amount plus markup for three months
0.5 % of the finance amount
Minimum Rs. 5,000 (if finance amount is less than Rs. 1 million)
Apply NowOr you can apply for Bank Alfalah Fleet Finance at the branch.
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Bank Alfalah Karobaar Finance: https://www.bankalfalah.com/business-banking/sme-loans/alfalah-karobar-finance/
Bank Alfalah Karobar Finance offers running finance, LG, LC and other import/export related facilities against mortgage of residential/commercial property.
Stock insurance not required
Only 25% cleanup required
Affordable markup rates to be paid on a quarterly basis
Quick processing and loan disbursement
Minimal processing charges
Applicant must be a Pakistani National Identity Card Holder
He/she should be between 23 and 60 years of age at the time of the application, subject to maximum age of 60 on maturity of finance
He/she must be running a business for at least 3 years with a satisfactory track record
The security against the finance should be a mortgage of urban residential/commercial property (ies)
Validity of the financing shall be initially for a period of one year
Financing facility up to 70% of assessed market value of mortgaged property
3 times turnover of the limit assigned is required in the account
Processing fee (up-front with LAF): As per Schedule of Charges
Documentation charges: actual cost of revenue and special adhesive stamps
Legal charges: Actual and approved charges of lawyers on the Bank’s approved panel
Valuation charges: Actual and approved charge of valuators on the Bank’s approved panel
Apply NowOr you can apply for Bank Alfalah Karobar Finance at the branch.
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Bank Alfalah Merchant Line: https://www.bankalfalah.com/business-banking/sme-loans/alfalah-merchant-line/
Bank on your Bank Alfalah POS machine
We know that meeting your daily business expense can be difficult. If you have been an Bank Alfalah POS machine merchant for a year, and have managed at least Rs. 1 million in annual POS sales, then you qualify for Bank Alfalah Merchant Line.
Bank Alfalah Merchant Line is a business loan designed to help you meet day-to-day expenses
Avail a loan up to Rs. 15 million for one year, renewable at expiry
No collateral required of up to Rs. 5 million
Loan amount based on percentage of annual sales through POS
Monthly markup payments on utilised amount
Processing fee (Up-front with LAF): As per SOC (non-refundable)
Documents charges: Actual cost of revenue and special adhesive stamps
Legal charges: Actual & approved charges of lawyers on the Bank’s approved panel
Apply NowOr you can apply for Bank Alfalah Merchant Line at the branch.
Frequently Asked QuestionsRead Questions & Answers related to this page.
4: Bank Alfalah Milkiat Finance: https://www.bankalfalah.com/business-banking/sme-loans/alfalah-milkiat-finance/
If you are looking to expand your business property then Bank Alfalah Milkiat Finance offers you comprehensive and flexible financing packages with affordable instalment plans to cater to the purchase, renovation and expansion of your business premises.
Financing available for purchase of rented property, construction on owned plot, purchase of constructed property and renovation of owned property.
Financing available from PKR 0.5M to PKR 200M.
Repayment tenure from 2 years to 15 years depending upon the nature of the financing on monthly instalments.
Affordable markup rates.
Quick processing and loan disbursal.
Minimal processing charges.
No additional security required
Applicant must be a Pakistani National Identity Card Holder
He/she should be between 23 and 65 years of age at the time of maturity of the loan, subject to maximum age of 60 maturity of finance
He/she must be running a business for at least 3 years with a satisfactory track record
The security against finance should be the mortgage of urban commercial/industrial property (ies) and in the name of Bank Alfalah
You shall make 30% of equity participation for financing for purchase and construction of property. No equity participation is required for construction on owned plot or for renovation of property
The financing amount is at least PKR.0.5M or above and not more than PKR. 200M. In case of renovation of property, the financing amount cannot be more than PKR. 3.5M
Processing fee (up-front with LAF): Minimum PKR 8,500 or 0.11% of the loan amount, whichever is higher.
Documentation charges: Actual cost of revenue and special adhesive stamps.
Legal charges: Actual and approved charges of lawyers on the Bank’s approved panel.
Valuation charges: Actual and approved charges of valuators on the Bank’s approved panel.
Business and financial appraisal charges: At actual
Apply NowOr you can apply for Bank Alfalah Milkiat Finance at the branch.
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5: Bank Alfalah Quick Finance: https://www.bankalfalah.com/business-banking/sme-loans/alfalah-quick-finance/
With Bank Alfalah Quick Finance you can meet your immediate personal or business expansion needs while keeping your savings secure. A personal/business loan which includes running finance as main limit and all other import/export related facilities as sublimit against National Saving Certificates, Prize Bonds, selected Alfalah GHP Mutual Funds and PKR/FCY deposit.
Up to 90% financing against security deposit
A personal/business loan against National Saving Certificates, Prize Bonds & PKR/FCY deposit
The amount of financing under Bank Alfalah Quick Finance ranges from PKR. 50,000 to PKR. 300M
Quick and convenient processing
Third party collateral acceptable
Bank Alfalah Debit Card facility
Applicant must be resident Pakistani if the loan is not backed by foreign currency account
He/she should be between 18 and 65 years of age at time of financing
Apply NowOr you can apply for Bank Alfalah Quick Finance at the branch.
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