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JS Working Capital Business
Loan-Expanding Horizons
JS Working Capital Business Loan offers your enterprise the chance to fulfil your working capital requirements without facing the challenges of liquidity and cash-flow constraints. Through JS Bank Working Capital Business Loan we offer 1-year term loan with financing of up to Rs 50 million at a highly subsidised mark-up rate of 6% per annum.
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The following industries are applicable under this facility:
| Furniture | Surgical Goods | Fruits, vegetables and food processing & packaging | Information Technology(IT) | Gems and Jewellery |
| Leather Industry | Dates Processing | Printing & packaging |
The eligibility criteria for the applicants under this financial product includes:
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- Operating in business for at least three years with sufficient knowledge of the business
- Computerized National Identity Card (CNIC) holder, with maximum age of 60 years
- To apply the applicant would also need to provide:
- Filled and Signed Request Application Form of JS Working Capital Business Loan
- Copy of CNIC/NICOP
- Two (2) recent Passport size Photographs
- Processing Fee Deposit Slip
- Audited Accounts and Management Accounts, as per SME Prudential Regulation, where applicable
- Personal guarantee of the owner/directors. Sponsor directors’ personal guarantee in the case of limited companies
- Supporting Documents/Undertaking to be obtained for proper utilization of loan.
- Business proof of last 3 years
- Last 1 year bank statement along with bank certificate for non-JS Bank account holders
- Maximum 3 Bank statements of at least 1 year
- Any other requirement of the Bank