This website requires JavaScript to function. Please reload this website in a browser that supports JavaScript.

If you found this page informative, share it now!

We Offer Complete Banking Solutions for Small & Medium Businesses

Meezan Bank provides Shariah compliant banking services like financing, trade and deposit related services to small & medium sized enterprises.We combine the expertise of in-houseproduct specialists and Shariah scholars to provide Sharia compliant financing solutions to meet the working capital finance, import finance, export re-finance long-term finance, documentary credit requirements and project financing needs of our customers.

Eligibility

State Bank of Pakistan segregates Small & Medium Enterprises into Small Enterprises & Medium Enterprises to allow them certain benefits

Key Features

Complete Product Menu

Complete Product Menu

Complete product menu to cater to your banking needs

Flexible Pricing

Flexible Pricing

Flexible pricing (floating or fixed with revision monthly/semiannually/annually.

Payment Frequency

Payment Frequency

Long Term : Monthly/Quarterly/Semiannually

Short Term : Mutually decided between customer & bank.

Charity

Charity

Charity @ 20% per annum on each delay by one day.

Short Term Financing Needs (Working Capital Finance)

Meezan Bank offers complete solution to its customers for all their working capital needs for procurement of raw materials, purchase of assets for trading and to finance overhead expenses. To meet the said working capital requirement Meezan Bank has complete range of products.

Murabaha

Learn More

Tijarah

Learn More

Istisna

Learn More

Bai Salam

Learn More

Musawamah

Learn More


Long-term Financing Needs

Long term financing needs may be in the form of acquisition of assets like property, machinery, equipments or vehicles etc. Following are the two major products used to cater such needs.

Diminishing Musharakha

Learn More

Ijarah
 

Learn More


Trade Related Services

Sight Letter of Credit
 

Learn More

Usance Letter of Credit

Learn More

Letter of Guarantee
 

Learn More
Small & Medium Enterprise Financing Schemes

Corporate Vendor & Distributor Finance Program

Meezan Bank Limited and Karandaaz Pakistan have jointly launched the Corporate Vendor and Distributor Finance Program aimed at providing growth capital for small businesses in existing value chains in the country. Through this program, the two organisations will provide Rs. 9 billion to small and mid-sized corporate vendors and distributors on a program based model over the next 5 years.

Benefits of Scheme for Corporate

  • Strategic opportunity to reach optimum output levels
  • Help in future growth planning and decision making
  • Deepened access to financial system for strategic vendors and distributors
  • Reduce corporate balancesheet exposure to vendor and distributor financing
  • Increase efficiency throughupgrading and strengthening of corporate supply chains and distribution channels
  • Increase value by facilitating access to finance and banking relationships
  • No guarantee, assume no balance sheet exposure

Benefits of Scheme for Vendors

  • Improve productivity with a steady source of income
  • Provide the service of an Islamic Bank
  • Provide enhanced credit period in case of long term financing with easy repayments
  • Flexible collateral requirements compared to traditional financing
  • Helps in overall expansion, increase in set up and production capacity
  • Provides a bilateral relationship with the bank with credit history

Program Partner Karandaaz Pakistan

A private company established in August 2014 by United Kingdom’s Department for International Development (DFID) and the Bill and Melinda Gates Foundation to promote access to finance for small businesses through a commercially directed investment platform, and financial inclusion for individuals by employing technology enabled solution.

How to Apply

Visit any of your nearest Meezan Bank branch offering SME solutions, click here to view the list of our SME branches.

Documents Required for Small Enterprises

  • Company Profile
  • Request for Financing
  • Last three years accounts signed by Proprietor/Partners/Directors of the firm
  • Projections with assumptions (in case of long term finance)
  • Memorandum & Article of Association (In case of Private Limited Company)
  • Basic Borrower Fact Sheet duly signed & stamped by Proprietor/Partners/Directors
  • Personal net worth statement of Proprietor/Partners/Directors
  • Stock Report
  • Ageing of Receivables
  • Copy of CNIC of Proprietor/Partners/Directors
  • Import/Export business certificates from banks. (If applicable)
  • Last six-month bank statement

Documents Required for Medium Enterprises

  • Company Profile
  • Request for Financing
  • Audited Accounts of last three accounts
  • Projections with assumptions (in case of long term finance)
  • Memorandum & Article of Association (In case of Private Limited Company)
  • Basic Borrower Fact Sheet duly signed & stamped by Proprietor/Partners/Directors
  • Personal net worth statement of Proprietor/Partners/Directors
  • Stock Report
  • Ageing of Receivables
  • Copy of CNIC of Proprietor/Partners/Directors
  • Import/Export business certificates from banks. (If applicable)
  • Last six-month bank statement.

FAQs

Application forms can be obtained from our designated branches as mentioned on our website.
Please refer to “How to Apply” section of our website.
Security requirement varies from case to case. In most cases, preferable security is mortgage of urban property acceptable to bank along with personal guarantees of owners and mortgagors.
We provide complete range of Shariah compliant products & services to meet your business needs such as working capital requirement, long term capital requirement (acquisition of plant and machinery, purchase of commercial property, acquisition of running businesses etc.), trade related services (import & export) and any other ancillary businesses.
Please refer to “How to Apply” section of our website.
Istisna & Tijarah products may be used as an alternative to meet the above requirement.

Would you like more information?

Fill out the form below and you will be contacted by a Meezan Bank representative.

Full Name *
Email
Phone Number *
City