Every growing business needs liquidity to seize opportunities, manage trade, and expand operations. Bank Alfalah Karobar Finance (AKF) gives SMEs the flexibility to access working capital and trade finance solutions — including Running Finance, Letters of Credit (LC), and Guarantees (LG) — against mortgage of residential or commercial property.
With simple terms, minimal documentation, and quicker turnaround, AKF is tailored to meet the financing needs of ambitious entrepreneurs.
Key Features & Benefits
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Multiple facilities available: Running Finance, LC, LG, import/export finance
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Financing amount: PKR 0.5 million to PKR 50 million
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Security: Mortgage of urban residential/commercial property (third-party collateral also acceptable)
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Hypothecation over stock/receivables with 25% margin
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Financing facility up to 70% of assessed property value
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No need to adjust full facility; only 25% clean-up required for 2 days every 6 months
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Markup linked with 3-month KIBOR
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Repayment through monthly/quarterly markup servicing
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Processing time: Approx. 20 working days
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Financials signed by borrower acceptable – no audited statements required
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Flexibility to avail other financing facilities as sublimit or standalone under AKF
Eligibility Criteria
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Applicant must be a Pakistani CNIC holder
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Age between 23 and 60 years (at application; max 60 at loan maturity)
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Business operational for at least 3 years with satisfactory track record
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3x turnover of the approved limit required in account annually
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Financing initially valid for 1 year (renewable on satisfactory performance)
Why Choose Karobar Finance?
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Access to trade finance + working capital under one umbrella
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Simpler requirements than conventional cash finance (only 25% clean-up vs. 100% elsewhere)
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Third-party collateral allowed, giving more flexibility
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Designed to support SMEs with liquidity for imports, exports, and everyday operations
👉 With Bank Alfalah Karobar Finance, you get the financial breathing room your business needs — secure today’s opportunities and grow with confidence.
Alfalah Karobar Finance — running finance, LC, LG and trade facilities for SMEs secured against mortgage of urban residential/commercial property.
PKR 0.5M to PKR 50M (note: combined facility limits and sublimit rules may apply per bank policy).
Up to 70% of assessed market value of the mortgaged property (subject to bank assessment).
25% clean-up for 2 days after every 6 months (vs. typical 100% clean-up in many cash finance products).
Mark-up is linked to 3-month KIBOR. Mark-up is charged quarterly and payable within 15 days of due date.
Pakistani CNIC holder, age 23–60 (max 60 at maturity), business experience of at least 3 years, and healthy turnover (3× the assigned limit required in the account).
Mortgage of urban residential/commercial property; personal guarantees of proprietor/partners/directors; financials signed by borrower are acceptable.
Approximately 20 working days from receipt of a complete application and documentation.
Yes — other facilities can be provided as sublimits or standalone under AKF subject to overall credit limits and bank policy.