National Bank of Pakistan (NBP) offers a wide range of SME financing Products & services to facilitate your business requirement & growth with competitive rates and quick solution. Our dedicated team of SME Relationship Managers (RM-IDG) are committed to provide personalized guidance and expert assistance, ensuring find the right financing solution quickly and easily.

1. NBP SME General Financing Products

NBP SME General Financing Products

1. Short Term facilities:
• Running Finance (RF)
• Cash Finance (Pledge)

Purpose of finance: To procure raw/semi finished/finished goods & other business related expenditures, etc. as working capital requirement.
Mark-up Quarterly, calculated on daily-product basis
Tenor of Loan: Upto 1 Year or on demand (revolving basis, where applicable)

2. Long Term facility:
• Term Finance

Purpose of finance: To purchase fixed assets like machinery, equipment, expansion of existing business & capital expenditure, etc.
Instalment based loan
Tenor of Loan: Upto 5 years

Target Market: Sole Proprietor / Self-Employed / Partnership firm / Limited companies

Pricing:
Mark-up rate: KIBOR + Spread (for short term & long term facilities)

Repayment frequency:
RF/CF: Quarterly mark-up, calculated on daily-product basis
Term Finance: Monthly instalments

Collateral (security): Mortgage of Property / liquid securities / Gold, etc.
Processing fee: As per Schedule of Charges
Documentation charges: Actual cost of revenue and special adhesive stamps
Legal charges: Actual charges of lawyers on the Bank’s approved panel
Valuation charges: Actual charges of valuators on the Bank’s approved panel

 

2. NBP SME Seasonal Financing Products

NBP SME Seasonal Financing Products

NBP is empowering SME business with customised financing solutions to meet seasonal financing needs by offering a range of seasonal financing products for Small & Medium Enterprises (SME) with loan upto Rs.500 million based on working capital requirement.

1. Rice Financing:
To procure paddy for trading or husking purposes.

2. Wheat Financing:
To procure wheat for trading, flour milling or seed processing purposes.

3. Cotton Financing:
• To procure phutti & process into ginned cotton bales.
• To procure cotton seed & convert into seed oil, cake, etc.

Target Market: Sole Proprietor / Self-Employed / Partnership firm / Limited companies
Rice Husking Mills / Rice Trader / Flour Mills / Wheat Trader / Cotton Ginning Mills / Cotton Trader / Cotton Oil Mills

Tenor of Cash Finance (CF) / Running Finance (RF): Upto 1 Year or on demand
Tenor of Term Finance: Upto 1 year

Pricing:
Mark-up rate: KIBOR + Spread

Repayment frequency:
Cash Finance / Running Finance: Quarterly mark-up, calculated on daily-product basis
Term Finance: Monthly instalments

Primary Collateral (security):
Pledge of stocks, Hypo of stocks, etc. whichever is applicable

Secondary Collateral (security):
Mortgage of Property / liquid securities / Gold, etc.

Processing fee: As per Schedule of Charges
Documentation charges: Actual cost of revenue and special adhesive stamps
Legal charges: Actual charges of lawyers on the Bank’s approved panel
Valuation charges: Actual charges of valuators on the Bank’s approved panel

 

3. NBP SME Supply Chain Finance Products

NBP offers tailored Supply Chain Finance (SCF) solutions to support its SME customers by improving their cash flow and strengthening business relationships. Through NBP’s SCF services, suppliers can receive early payments, while buyers benefit from extended payment terms, enabling smoother operations across the value chain. This helps SMEs grow sustainably and manage working capital more efficiently.

1. Deler Finance:
Dealer Finance is a short-term financing solution that helps dealers / distributors of large companies procure goods and services from their corporate suppliers

2. Invoice Finance:
Invoice Finance is a short-term financing solution that allows suppliers to accelerate payments and improve their cash flow by getting early payment of their invoice receivables at competitive rates and terms by leveraging their buyer’s (Corporate) credit rating.

3. Purchase Order Finance:
Purchase Order Finance is a short-term financing solution that allows suppliers to improve their cash flow by getting funds to cover the cost of raw materials, production and logistics, etc. required to fulfill the purchase order.

4. Inventory Finance:
Inventory Finance is a short-term financing solution that allows sellers to improve their cash flow by getting funds against accepted purchase orders.

Target Market: Sole Proprietor / Self-Employed / Partnership firm / Limited companies
Supplier or Dealer / Distributor of large entities (Anchor)

Mark-up rate: KIBOR + Spread
Tenor of loan: Upto 120 days

Collateral (security): Mortgage of Property / liquid securities / Gold, Receivable, Stocks, Corporate Guarantee of Anchor, etc. whichever is applicable

Processing fee: As per Schedule of Charges
Documentation charges: Actual cost of revenue and special adhesive stamps

4. NBP SME Trade Financing Products

NBP offers a comprehensive suite of trade finance products:

Products detail with purpose of financing:
1. Letter of Credit (LC) Sight / Usance (DA): For import of goods / industrial raw material / machinery / spare parts, etc.
2. Letter of Guarantee (LG/BG): For secure payment of duties, bills, advances, to participate in bidding or tender, etc.
3. Packing Finance: For export of goods
4. Finance against Foreign Bill: For export bills under LCs / Firm Contracts without purchasing bills
5. Foreign Bill Purchase / Discounting: To purchase / discount export bills under LCs
6. Finance against Imported Merchandise (FIM): For retirement of import bills under Sight LCs opened through NBP
7. Finance against Trust Receipt (FATR): For retirement of import bills under Sight LCs opened through NBP

Target Market: Sole Proprietor / Self-Employed / Partnership firm / Limited companies
Exporter / In-direct Exporter / Importer, etc.

Pricing:
Commission on Letter of Credit and Letter of Guarantee as per Bank Schedule of Charges
Mark-up rate for Funded facilities: KIBOR + Spread

Tenor of loan: Upto 180 days

Collateral (security): Mortgage of Property / liquid securities / Gold, etc.

Processing fee: As per Bank Schedule of Charges
Documentation charges: Actual cost of revenue and special adhesive stamps
Legal charges: Actual charges of lawyers on the Bank’s approved panel
Valuation charges: Actual charges of valuators on the Bank’s approved panel

5. SBP / Govt. Financing Products for SMEs

Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS)
PMYB&ALS promotes entrepreneurship among youth by providing business loans on simple terms and with affordable mark-up rates.

Eligibility criteria: All Pakistani nationals holding CNIC aged between 21-45 years. For IT/E-Commerce, lower age limit is 18 years)

Loan size segregated into three tiers as follows:
Tier-1: upto Rs.0.5 million with 0% mark-up
Tier-2: Above Rs.0.5 million and upto Rs.1.5 million with 5% mark-up
Tier-3: Above Rs.1.5 million and upto Rs.7.5 million with 7% mark-up
Tenure: Upto 8 years including maximum grace period of 1 year

Note: Bank can extent facility in Tier-2 & Tier-3 only

SBP Long Term Financing Facility (LTFF)
Financing is available for export oriented projects for purchase of imported and locally manufactured new plant and machinery.
The projects with annual exports equivalent to USD 5 million or at least 50% of sales, whichever is lower, are eligible to avail this facility.
Tenor: Upto 10 years including maximum grace period of 2 years

Pricing: Concessionary rate
Collateral (security): Mortgage of Property / liquid securities / Gold, clean, etc. whichever is applicable

Processing fee: As per Schedule of Charges
Documentation charges: Actual cost of revenue and special adhesive stamps
Legal charges: Actual charges of lawyers on the Bank’s approved panel (where applicable)
Valuation charges: Actual charges of valuators on the Bank’s approved panel (where applicable)

 

6. Export Finance Schemes (EFS) for SMEs (EXIM)

Financing is available to exporters of eligible goods / services especially value added products. Both direct and indirect exporter may avail the facilities.

Mark-up: Concessionary rate i.e. 3% less than SBP Policy Rate
Tenure: Upto 180 days with roll-over option (where applicable)

1. EFS Part-I:
Part-I is a transaction based facility. Bank provides export finance to the exporters on case-to-case basis at pre-shipment and/or post-shipment stage against Firm Export Order/Contract/LCs.

2. EFS Part-II:
It is a performance based facility, where entitlement of exporter for revolving export finance limit is equal to 50% of the export proceeds realized through export of eligible commodities in the preceding financial year.

3. Facility for Indirect Exporter:
EFS Facility is also available to the input suppliers/ manufacturers of the Direct Exporter, termed as Indirect Exporter (IDE) on the basis of Standardized Purchase Order (SPO) or the Inland Letter of Credit (ILC) to be established by the Direct Exporter against the particular Export Order / Contract / Letter of Credit.

4. E-LTFF (E-Long Term Financing Facility)
E-Long Term Financing Facility is available for export oriented projects for purchase of imported & locally manufactured new plant and machinery on subsidized mark-up rate to boost the production in line with market competition.

Tenor: Maximum 10 years including a maximum grace period of 2 Years
Where financing is provided for a period of upto 5 years, the grace period shall not be more than one year.

Eligibility:

• Existing Export oriented projects with at least 50% of their sales constituting exports.
• New projects or expansion / BMR of existing projects on the basis of projected exports for meeting the minimum export target with a maximum period of four years.

Note: The availability of SBP / Govt. schemes subject to allocation limit set by SBP and validity of scheme.

Target Market: Sole Proprietor / Self-Employed / Partnership firm / Limited companies
Exporter / In-direct Exporter

Pricing:
Mark-up: Concessionary rate i.e. 3% less than SBP Policy Rate

Collateral (security): Mortgage of Property / liquid securities / Gold, etc.

Processing fee: As per Schedule of Charges
Documentation charges: Actual cost of revenue and special adhesive stamps
Legal charges: Actual charges of lawyers on the Bank’s approved panel (where applicable)
Valuation charges: Actual charges of valuators on the Bank’s approved panel (where applicable)

7. NBP Financing to Women Entrepreneur

Women Entrepreneur may avail subsidized financing under Prime Minister’s Youth Business & Agriculture Loan Scheme (PMYB&ALS). For detail, please refer PMYB&ALS section.

SME Women Exporter and In-direct Exporter may avail subsidized financing under Export Finance Scheme. For detail, please refer EFS section

8. Others

Eligibility criteria:

• Sole Proprietor / Self-Employed / Partnership firm / Limited companies
• Valid CNIC of Sole Proprietor / Self-Employed / Partners / Directors
• Age of Sole Proprietor / Self-Employed should be 22-65 at the time of loan maturity. Relaxation may be allowed on case to case basis
• For Exiting business: Experience in relevant business & satisfactory track record
• For New setup / Fresh: Relevant skills or education

Initial documents required:

• Loan Application Form
• Valid CNIC of Sole Proprietor / Self-Employed / Partners / Directors
• Bank Statement (where applicable)
• Financial Statements (as per SBP Prudential Regulations requirement)
• For Existing business: Proof of business with relevant experience
• For Fresh: Feasibility Report
• Any other document, which is applicable for specific financing

Note: Mark-up and Term & conditions apply (subject to change)
Financing under SBP / Govt. Schemes is subject to continuing / validity of schemes.

Contact us:

• Nearest NBP branch
• NBP SME Regional offices
• Contact Center / Helpline: (021) 111-627-627
• https://www.nbp.com.pk/SMEFinancing/