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Mobilink Microfinance Bank (MMBL) believes in providing the most effective financing solutions for Merchants/Tajir to sustain their businesses. It is a modern financing solution that provides fast, flexible & affordable Merchant/Tajir financing through the Dost Tajir app. No collateral or paperwork is needed to get MMBL Dost Tajir financing.

The app can be used to buy goods from selected distributors that partner with Mobilink Microfinance Bank, by people who wish to grow their businesses without any cash investment and repay as they make sales.

Merchants/Tajir open their digital accounts at https://account.mobilinkbank.com 

 

Please inform the selected distributor of your AccountID, after opening. 

  • Merchant/Tajir then installs & signs up in the Dost Tajir app. Please get in touch with your distributor or WhatsApp MMBL at 92-51-111-962-962 for support.
  • Merchant/Tajir can now accept the goods delivery through MMBL financing, from selected distributors in the Dost Tajir app.
  • The loan will be disbursed on the next day and notified via the Dost Tajir app and SMS.
  • Please note that Merchant/Tajir can check their repayment amount and due date, in Dost Tajir App.

Starting with PKR 10,000 per week or monthly, the retailer can expand their business and earn more profit without investing their cash while keeping their inventory full. 

Three types of financing options are available for the retailers:

  • Monthly Bullet - Repayment at month-end
  • Monthly Flex - Repayment every week for the month 
  • Weekly Bullet - Repayment at the weekend

The retailer can choose the repayment method choice and repay in MMBL Digital AccountID, with the following options:

  • Via money transfer through ATM or App / Internet Banking of any Bank, that is on 1Link
  • Via cash through any branchless agent of Easypaisa, HBL Konnect, MCB Lite, UBL Omni, ABL, or UBank
  • Via your JazzCash app or USSD

 

Note: Initial linking will be required with MMBL Digital Account, by raising a request at our 24/7 helpline.

For Week- 1.25%, Month- 4% (MonthlyFlex) or 6% 

Yes, the retailers can pay the amount before the due date and enjoy great discounts. See below for the discounts:

Discounts on early payment

Monthly Bullet

Discount

Rate

14 days

50%

2.5%

21 days

25%

4.5%

30 days

0%

6%

 

Monthly Flex

Discount

Rate

14 days

50%

2%

21 days

25%

3%

30 days

0%

4%

 

Weekly Bullet

Discount

Rate

03 days

50%

0.63%

07 days

0%

1.25%

  • Minimum 2 years’ experience of running a business
  • Income Net of Business expenses PKR 1,200,000
  • Residing or working in launching cities for at least 2 years
  • Copy of Valid Computerized National Identity Card (CNIC), SNIC.
  • 01 recent passport size Photograph of the Merchant
  • Proof of running business place & ownership
  • Satisfactory Cash Flow                         
  • Should not be a defaulter of any financial institution

After returning the initial financing, the retailer can obtain up to PKR 50,000 per month. 

Same charges are repeated, as on initial financing

No, to use the MMBL Dost Tajir facility, the distributor must be on board with the MMBL platform.

For distributor onboarding, please write to: digital.business@mobilinkbank.com

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