Alfalah Islamic SME
Alfalah Islamic Fleet Finance Customer Type
Accelerate your business.
Are your business transportation needs being
met?
With Alfalah Islamic Fleet Financing you can take
foot off the brake. Our product allows you to
finance passenger vehicles for your employees or
commercial vehicles for your business (choose
from imported and local options). With commercial
vehicle we also offer the financing of body
fabrication and trailer. So get in gear and go
ahead the distance.
Benefits
• To keep the instalment in your budget, you can pay a
lump sum payment at the end of the financing tenure
• You can choose a lower instalment plan by adjusting
the principal with a balloon payment twice during the
tenure of the financing
• You can easily replace your vehicles without any
pre-adjustment charges
• You can also avail this financing for farming and
non-farming business (fish and poultry farms etc.)
• Most affordable and flexible pricing rates (instalments
are payable on monthly/quarterly/semi-annually basis)
• Flexible financing tenure from 01 to 05 years
• Minimum processing time and application charges
Eligibility Criteria
Age Limit
Maximum age at the time of application is 65 years for sole
proprietor.
Overdue Liability
Proprietorship, Partnership, Private/Public Limited Alfalah Islamic Karobar Finance Business should not have any overdue liability (past and
Company can avail this financing Your business growth starts here. present) from any bank in Pakistan.
Business Tenure Security
Everything needs a little support to grow. With
Customer should be in the same line of business/industry Customer should provide an urban residential/commercial
for at least 3 years Alfalah Islamic Karobar Finance your business gets property as security.
just that. Enjoy a one-of-a-kind financing facility,
Security Murabahah, Istisna, Tijarah along with LG, and Finance Tenure
Personal Guarantee(s) of Proprietor, Associates, Partners, other import/export related facilities against the Facilities including Murabaha, Istisna and Tijarah etc. shall be
and Sponsor Directors of Private and Public Limited mortgage of your residential/commercial offered for the maximum period of 1 year.
Companies. property. If you’ve been in your business for 3
years you’ll qualify. And get a comfortable finance Renewals
range of up to PKR.30Mn. Renewals shall be subject to regular repayments and
satisfactory utilisation/behaviour of the account.
So sign up for Alfalah Islamic Karobar Finance and
support your business growth.
- Terms and conditions apply
Benefits
• Range of Shariah-compliant solutions - Terms and conditions apply
• Stock Insurance not required
• Stock hypothecation not required
• Quick processing and finance disbursement
• Minimal processing charges
2
Eligibility Criteria
Nationality
The person should be Pakistani National Identity Cardholder
Age Limit
Individuals/sole proprietors should be up to 60 years of age.
Deviation between 61 to 65 years can be allowed by
Approving Authority.
Business Tenure
Customer should be in the same line of business for at least
3 years.
Membership
Preferably a member of any relevant trade body or any
Professional Association
111 225 111
bankalfalah.com
 Alfalah Islamic SME
Alfalah Islamic Milkiat Finance Debt Burden Ratio
A preferably low debt burden for customers is 65 23
Build your business. recommended.
65
Membership
Looking to expand your business property? Get
Preferably a member of the relevant trade body or
Alfalah Islamic Milkiat Finance, the only medium to association
long term financing facility for Small and Medium
Enterprises in Pakistan. Enjoy affordable Security
instalment plans that allow the acquisition of Customer should provide an urban residential/commercial
commercial/industrial property, construction, property as security.
renovation and expansion of your business
premises. Equity Ratio
Minimum equity participation shall be 30% under AIMF 1 and
So sign up for Alfalah Islamic Milkiat Finance and AIMF 3. At least 1% equity participation will be required for
give your business property the boost it needs. AIMF 2, AIMF 4 and AIMF 5

Benefits
1 • Financing available for 30 (AIMF3) (AIMF1)
- Purchase of rented commercial/industrial property
(AIMF 1) - Terms and conditions apply (AIMF5) (AIMF4) (AIMF2)
- Construction on owned plot (AIMF 2) 1
- Purchase of commercial/industrial plot for
construction purposes (AIMF 3)
(AIMF1)
- Renovation of owned property (AIMF 4)
- BTF facility (Conventional to Islamic and Islamic to (AIMF2)
Islamic) (AIMF 5) (AIMF3)
• A repayment tenure ranging from 2 to 15 years (AIMF4)
(depending upon product variant and the nature of
financing)
• Most affordable and flexible pricing rates (AIMF5)
• Minimum processing time and application charges
15 2

Eligibility Criteria

Customer Type
Sole proprietorships, partnerships and private limited
companies can avail this facility.

Age Limit
Individuals should be between 23 to 65 years of age at the
time of application. Sole proprietors should not exceed 65
years of age upon maturity of financing.
111 225 111
bankalfalah.com