SME Relationship

Silkbank’s SME Banking Group offers banking facilities for individuals and companies which are categorized by the State Bank as SMEs. Our SME business units are located in Karachi, Lahore, Multan, Faisalabad, Sialkot, Gujranwala, Islamabad, Rawalpindi and Peshawar. Each unit is dedicated to service business clusters located within these cities as well as the regions nearby.

We provide the following facilities:

  • Working Capital Finance: to finance inventories and receivables
  • To finance capital expansion, procurement of machinery and expansion of production facilities
  • Export Facilities: to finance pre and/or post export requirements
  • Import Facilities: to finance pre and/or post import requirements
  • Export/Import Handling: Sight/Usance LCs, Contracts, Bills Collection & Negotiation
  • Letter of Guarantees: Bid Bonds, Advance Mobilization and Performance Bonds
  • Loan is secured via some tangible security i.e. commercial/residential property
  • Loan amount is up to 75% of the market value or 85% of FSV of property
  • The facility is renewed annually
  • Pricing is KIBOR-based and negotiable as per business volume/turnovers

Rates and Charges:

Processing Fee (Upfront 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

Required Documents:

  • Customer Request Letter
  • Borrowers’ Basic Fact Sheet
  • Audited Financial Statements
  • Business Profile
  • Copy of Property Documents
  • Six Months’ Bank Statement

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