Small business owners need a bank that understands their challenges, irregular cash flows, and the need for quick turnaround. Karobar Plus Loan is built with exactly that in mind:

• Flexible loan amounts suited to micro and small business needs
• Fast processing with a lead time of just 3-5 days, with less paperwork
• Embedded insurance coverage for income protection, hospitalisation, and accidental disability
• Early settlement allowed, no lock-in penalties
• Accepted across Rural, Semi-Urban, and Urban areas of Pakistan

To apply for Karobar Plus Loan as a small business owner, you must meet the following criteria:

• Business annual income less than Rs. 1,500,000/- (Net of Business Expenses)
• Customers Monthly Installment should not be more than 50% of the monthly home salary of household annual income less than Rs. 1,500,000/- ( Net of Business Expense)
• Age between 18-64 years ( should not exceed 72 years upon maturity of the loan and 70 in case of gurantor)
• Business experience of minimum of 2 Years
• Holding valid CNIC/SNIC
• Not defaulter of any financial institutions & Public Utilities.
• Residing in launching cities for at least 1 year in case of owned residence and 2 years in case of rented house

Yes - Mandatory (Any Salaried Person / Business Man).

• PKR- 50,000 - PKR- 5,000,000 - Up to 5 Years

Markup to be paid monthly/quarterly and Principal to be paid at maturity

• PKR- 50,000 - PKR- 500,000 - Up to 5 Years
• PKR- 500,001 - PKR- 3,000,000 - Up to 5 Years
• PKR- 3,000,001 - PKR- 5,000,000 - Up to 5 Years

3-5 Days

As per SOBC

Allowed

• Income Protection: PKR 2,500 per day , payout up to 10 days
• Hospitalization: Limit up to PKR 200,000/- , Room Limit: 10,000
• Accidental Death or Permanent Disability: Outstanding loan or PKR 1,000,000/- (whichever is less).
• Loss of Business Premises / Structure): Upto the outstanding loan amount or Rs. 1,000,000 (whichever is less)

*Terms & conditions applicable.

• Customer CIR or Data Check Report
• Loan Application Form (properly filled) with customer cash flows
• Copy of valid Computerized National Identity Card (CNIC) or Smart CNIC
• 1 recent passport size photograph of the Customer
• Valid rental agreement for business
• Franchise agreement
• Documentation for provided collateral

Q1: Which bank is best for small businesses in Pakistan?
Mobilink Bank is one of the most accessible and purpose-built banks for small businesses in Pakistan. With our nationwide presence covering rural, semi-urban, and urban areas, it is the bank that actually shows up where small businesses operate.

Q2: How much can a small business borrow through Karobar Plus Loan?
Small businesses can borrow from PKR 50,000 up to PKR 5,000,000 through the Karobar Plus Loan. The amount is structured in tiers, so whether you are a small shopkeeper needing working capital or a growing trader looking to purchase assets, there is a loan tier matched to your stage of growth.

Q3: What can I use the Karobar Plus Loan for?
You can use Karobar Plus Loan for any legitimate small business purpose - purchasing inventory, buying equipment or business assets, covering operational costs, expanding your premises, or managing working capital during a slow season. It is one of the most flexible small business financing options available at any bank in Pakistan.

Q4: How long does it take to get the loan approved?
Karobar Plus has a lead time of just 3 to 5 working days. For a small business owner, that means you are not waiting weeks for a decision