Eligibility requirements for HBL Islamic trade loan
☑️ Registered individual or business in Pakistan
☑️ Financing requested for specific commercial goods
☑️ Clear financial record aligned with bank and regulatory policies
☑️ Provision of acceptable collateral as per HBL’s criteria
☑️ Agreement to follow Shariah-based financing principles
Required documents to apply for HBL Islamic trade loan
📄 Customer’s basic fact sheet
📄 Detailed business profile or company overview
📄 Completed facility application form from HBL
📄 Financial statements as per Prudential Regulations
📄 Additional documents depending on case review
Approval is subject to fulfilling all criteria. HBL may request more documents to finalize assessment.
How to apply for HBL Islamic trade loan
To get started, visit an HBL branch or access the online application system. Submit a clear summary of the goods you wish to finance, supplier quotes, and your company’s profile. After reviewing your eligibility and documentation, HBL will purchase the assets and sell them to you at a disclosed profit margin.
This model follows Islamic banking rules where no interest is charged, only a fixed, upfront profit. If not approved immediately, you may reapply once you’ve updated or corrected the information.
How to repay your HBL Islamic trade loan
Installments can be paid via HBL NetBanking, in-person deposits, or mobile banking. You can choose a payment plan that is spot, deferred, or fixed monthly installments.
The repayment schedule is determined at contract signing, and it’s best to align this with your business income flow to ensure timely payments and avoid penalties.
Fees and costs
The HBL Islamic trade loan uses a cost-plus-profit model — not interest. The markup is agreed upon and disclosed at the time of sale. No hidden fees are added during the term. However, standard Islamic banking charges, including administration fees and late payment penalties, apply as per the I-SOBC (Islamic Schedule of Bank Charges). Everything is documented before the contract is signed for full transparency.
A tip for your wallet
Prepare in advance. Have your supplier quotes, item specifications, and business financials ready before applying. This will help you pass the review faster. Align your repayments with your highest cash flow months to avoid stress.
If you’re planning repeated purchases, ask HBL about setting up a revolving facility. Maintaining strong accounting practices can even reduce your collateral requirements in future applications.
Start your HBL Islamic trade loan application today
Click the button below to access the official HBL platform and begin your Sharia-compliant financing journey. Ethical. Transparent. Structured for growth — HBL Islamic trade loan is built to move your business forward.