SME Products & Services

SME Product & Services

The Small and Medium Enterprises (SMEs) are the backbone of the economy and play an important role in growth of a country. To cater the financing requirement of SME & Commercial clients, UBL has a wide range of lending & innovative Products. UBL has extensive branch network to facilitate our customers in an efficient manner. Dedicated Relationship Managers are placed across the country to serve the customers. We have also deputed Trade teams in key trade areas in order to serve trade based customers conveniently & quickly. Please click on specific financing product to get the detail.

UBL Business Mortgage Finance (Karobar Loan)

UBL Karobar Loan is a solution for easy access of cash required to grow your business. It is exclusively designed for small and medium enterprises keeping in view their business expansion and growth plans.

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UBL Financing against Liquid Securities (Sahulat Loan)

UBL Sahulat Loan gives you access to cash while maintaining and growing your savings. You can borrow against your savings to meet your business goals.

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UBL Light Commercial Vehicle Financing

Light Commercial Vehicle Financing helps sole proprietors and self-employed professionals purchase commercial vehicles through flexible financing. With a streamlined process and convenient repayment options, it supports business mobility, operational efficiency, and growth.

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UBL Financing to Urooj (Women Entrepreneur)

The women centric product has been solely launched to focus on existing women entrepreneurs as well as new setup deals in trading business, service provider and manufacturer.

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UBL Bank Guarantee Discounting

BG discounting facility will be available to the beneficiary of the Guarantee being a manufacturing concern, distributor, wholesalers, dealer / supplier of goods of value on credit in the following sectors (pesticide / fertilizer / seed).

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UBL Fleet Financing

UBL Fleet Financing Solutions provide flexible leasing and term loan options for commercial and private vehicles. Available to sole proprietors, self-employed individuals, partnerships, and corporate entities, the solution supports new and used, local and imported vehicles with convenient financing to enhance business mobility and growth.

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UBL Seasonal Financing (Wheat, Rice & Cotton)

Seasonal Financing provides farmers, processors, and millers with timely working capital and stock-backed financing for key crops such as wheat, cotton, and rice. The solution supports seasonal procurement, processing, and trade while promoting efficiency and sustainable growth across the agricultural value chain.

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UBL SME Digital Running Finance

SME Digital Loan provides SMEs with fast, collateral-free working capital through a seamless digital application and approval process for existing and eligible new-to-bank customers.

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UBL Invoice-Based Financing

Invoice-Based Financing enables suppliers of UBL-approved clients to access working capital by discounting outstanding invoices. The solution provides fast, flexible liquidity to improve cash flow, support day-to-day operations, and drive business growth.

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UBL EFERT Dealer Finance

UBL EFERT Dealer Finance is a customized financing facility for authorized EFERT distributors, offering financial support for fertilizer purchases and vehicle financing. It helps dealers manage their procurement requirements, strengthen distribution capabilities, and facilitate business expansion.

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