As part of our vision to provide cutting edge financial solutions, with emphasis on customer satisfaction, and commitment to supporting economic development in both sponsoring countries while maximizing returns to all stakeholders, Pak Oman has set up a dedicated Small and Medium Enterprises (SME) Finance Unit to make a tangible contribution to economic development.

The following entities are eligible to avail SME finance facilities:
-    Sole proprietorship business
-    Partnership firms
-    Private limited companies
-    Public limited companies
The above business entities should qualify as SMEs as per Prudential Regulations to avail the finance facilities.


Documents required for finance facility application include:
-    Financial statements of the last three years.
-    Bank statements for the past 6 months.
-    Incorporation documents.
-    Proof of address for factory and/or office.
-    Proofs of identification, age, address and signatures for all parties involved in the agreement.
-    Proof of property ownership
-    Validation proof and tax receipts for the current year’s turnover.
-    Any other documents depending on nature of finance facility.


Potential borrowers can apply through any of the offices of Pak Oman located in Karachi, Lahore and Islamabad.


1.    What is the amount of loan I can avail ?
The amount of loan will be determined by Pak Oman based on need assessment and repayment capacity of the borrower (within allowed parameters of Prudential Regulations for SMEs).

2.    What are the basic requirements for loan application ?
Basic requirements includes credit worthiness of borrower, potential in business plan and suitable collateral. Additional requirements may vary depending on nature of loan.

3.    Can I get a loan without a bank account ?
You would need to show a bank statement for the past 6 months, along with account maintenance certificate.

4.    Is there a pre-payment option for loan ?
Yes. You can prepay the facility any time with a pre-payment fee as per terms of agreement.

5.    How do I apply ?
-    Call us
-    Write to us
-    Visit any of our offices 

Our working hours are 9:00am - 5:30pm (Monday-Thursday) and 9:00am - 6:00pm (Friday).