ALFALAH KAROBAR FINANCE

• Bank Alfalah’s first SME product Alfalah Karobar Finance is a running

finance facility based on projected cash flows. Under AKF, offer working
capital finance (Rs.0.5 million to Rs. 20 million) to SME’s

• AKF is a Running Finance facility between Rs 0.50M to Rs 20.0M.

• At Bank Alfalah, all branches are designated to deal with AKF business.

• The purpose of the AKF is financing procurement of raw material, finished

goods and receivables of SME businesses.
 Eligibility for AKF
– Resident Pakistanis
 
– Individuals/ sole proprietors aged up to 65 years.
 
– In the same business for the last three years
 
• Could offer mortgage urban residential/commercial/ industrial
properties (third party collateral also allowed)

Overall debt burden not to exceed 40% of the projected cash

flows over the period of financing.
 
• Maximum AKF entitlement to be worked out by considering the
lowest of: 60% of assessed market value of the mortgaged
property, or 35% of sales turnover or condition # 5 above.
 ALFALAH MALKIAT FINANCE
• AMF is aimed at strengthening the Small and Medium Enterprises
viz a viz their business premises.

• Alfalah Milkiat Finance offers comprehensive and flexible financing

packages from Rs. 0.5M up to Rs. 30 million for the purchase,
renovation and expansion of business premises.

• small business owner who needs to take his/her business to the

next level.
 Categories of AMF
• AMF-1:   Acquisition of rented commercial/ industrial
property by present tenant..
• AMF-2:   Construction on owned and in possession
commercial/ industrial premises/ plot.
• AMF-3:   Purchase of constructed commercial/ industrial
property.
• AMF-4:  Renovation of owned and in possession
commercial / industrial property.
 Eligibility

 You have been in business for at least 3 years.

Application Process

To begin the process and further details please call 111-225-

111 or visit your nearest Bank Alfalah Branch.
 ALFALAH Quick Finance
• A personal loan against National Saving Certificates,
Prize Bonds, Alfalah GHP Principal Protected Fund &
PKR/FCY deposit for meeting personal, family and
household needs
• It is one year revolving limit with quarterly
mark-up payments.
• The amount of financing under AQF
ranges from Rs. 50,000 to 2.5 Crore.
 LEASING FINANCE
• What do BAF lease?

• The lease finance facilities are available for a variety of assets

(imported/local) conforming but not limited to the following
categories:
• Vehicles (Private & Commercial)
• Plant, Machinery and equipment
• CNG Equipment
• Generators(Industrial & Commercial)
 Who can apply ?

• Sole Proprietors
 
• Partnership Firms (Registered / Un-registered)
 
• Private Limited Companies
 
• Public Limited Companies (Listed / Unlisted)
 
• Govt./ Semi – Govt. Organizations/ Autonomous
Bodies