FWBL Nikhar

This product is specially designed to encourage and empower the professionals including women, men and transgender associated with the beauty industry by offering hassle free financing on easy terms.

Purpose of Facility

Financing will extend to professionals associated with the Beauty industry for:

  • Establishment of Beauty Salons (start –up),
  • Expansion /renovation
  • Working capital needs.
Eligibility Criteria

The applicant must be Pakistani National and working or residing in Pakistan includes:

  • Women, Men & Transgender.
  • Age: Min 21 years – 65 years
  • Preferably Certified and experienced professionals (at least 3 years), holders of valid CNIC.
  • Have clean credit history with no write offs in ECIB.
Loan Amount

Minimum Rs. 100,000/-  to Rs. 15,000, 000/-


One year: For working capital needs (R/F)

Up to5 years:  For term loan (start –up and expansion)


KIBOR Rate plus bank’s spread in accordance with approved terms.


Any suitable security depending on nature and amount of loan:
Personal guarantee of high net/credit worthy individuals
Hypothecation of movable assets/Stocks
Mortgage of immoveable property
Lien/Pledge of Cash collateral

Processing Charges

0.1% of the total loan amount or Rs. 2000/- whichever is higher.

Turn Around Time

15 working days (Subject to completion of all documentation)

Authorized branches: All FWBL branches


Site last updated July 1, 2020 @ 7:40 am