Business Loan
Leave Money Problem to us Just Focus on your Business
Get customized loan up to ₹50 lacs at interest rates starting 10.75% for a tenure ranging from 1 year to 5 years
With our Business Loan, continue to stay ahead of your competitors, scale your business in a hassle-free environment. Take it to new heights with additional financial help from ABCD Bank. We are here to support you at every step of the way because in you we trust. We curate our Business Loan with competitive interest rates, flexible tenures, and minimal documentation to meet your every business need. An additional attractive feature of the Business Loan is the access to an overdraft facility, that is you pay interest only on the utilized loan amount together with a credit protection plan. Adapt your business with changing customer needs or technological advancement or scale up your operations, the list is endless and the choice is yours to utilize the Business Loan the way you like.
Akhuwat’s Business Loan program is designed to empower individuals who wish to start or expand their small business. The loan is completely interest-free and based on the principles of mutual support, trust, and financial inclusion. Whether you're launching a shop, managing a home-based business, or growing a small enterprise, Akhuwat is here to support your goals.
Small Business Loans
Akhuwat supports small businesses through ethical and transparent lending. These loans help applicants cover startup costs, manage cash flow, or invest in inventory and equipment. The application process is simple, and loans are offered after careful review of eligibility, income, and business need.
Commercial Financing Support
For those looking to scale their existing business, Akhuwat offers flexible microfinance solutions tailored to different types of commercial needs. All loans are free from interest, ensuring fairness and financial dignity for every borrower. Funds are provided based on clear guidelines and community verification, without unnecessary paperwork or hidden fees.
Why Akhuwat Business Loans?
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Interest-Free Financing
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Transparent Process
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No Collateral Required
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Quick Processing (if eligible)
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Nationwide Availability
Business Loan Eligibility
Akhuwat offers interest-free business loans to support individuals and families who want to start or grow their small businesses with dignity. This initiative is built on trust, transparency, and the vision of reducing poverty through self-employment opportunities.
Eligibility Criteria for Akhuwat Business Loan
| Criteria | Details |
|---|---|
| Age Limit | Applicant must be between 21 and 65 years of age. |
| Business History | The applicant should have a stable or promising business idea. |
| Minimum Income | A basic and sustainable income source is required (no fixed amount). |
| Guarantor or Witness | A local guarantor or social reference may be required for verification. |
| Financial Records | Bank statements or basic income documentation (if available). |
| Cash Flow Feasibility | The loan officer will assess whether the monthly repayment is manageable. |
| Type of Business | Small shops, services, home-based units, farming, or skilled trades. |
Akhuwat’s approach does not require interest, heavy collateral, or formal auditing. Instead, the focus is on community trust, honest intent, and repayment capacity.
Documentation
Akhuwat aims to keep the documentation process simple, accessible, and trust-based. While formal financial documents are not always required, applicants may be asked to submit basic proof of identity and business activity, depending on loan amount and purpose.
Documents That May Be Requested
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CNIC Copy of applicant and co-applicant
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Recent passport-size photograph
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Proof of residence or office address
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Basic income or business continuity proof (e.g. receipts, shop bills)
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Witness or guarantor details
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Bank statement (up to 6 months) – optional, based on loan type
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Equipment or business need details (e.g. quote, estimate, invoice)
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Education/professional certificate (for specialized professions like tailoring, carpentry, etc.)
Note:
Akhuwat does not require formal audits, ITR, or legal incorporation papers like MOA/AOA. The process is community-trusted and based on real-life financial needs and capacity.
FAQ
Akhuwat believes in empowering people through trust-based, interest-free lending. Our business loan program supports small entrepreneurs who want to increase their income and improve their families' lives. With a simple process, transparent terms, and no hidden fees, Akhuwat is helping thousands across Pakistan build a better future.
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Apply Now
Apply now and take the first step toward a better future with Akhuwat. The process is simple, interest-free, and based on trust. Submit your details online and our team will review your application quickly—no hidden charges, no complicated paperwork.