For growing businesses, infrastructure is the foundation of success. With Bank Alfalah Milkiat Finance (AMF), SMEs can access long-term financing solutions tailored to the purchase, construction, or renovation of commercial and industrial properties.
This facility helps businesses build capacity, expand operations, and strengthen their premises — all with flexible repayment options and affordable instalments.
Key Features & Benefits
-
Financing for:
-
Acquisition of rented commercial/industrial property
-
Construction on owned plot
-
Purchase of constructed property
-
Renovation of owned property
-
-
Loan amount from PKR 0.5 million to PKR 200 million
-
Repayment tenure: 2 to 15 years (depending on facility type)
-
Affordable markup rates linked with 1-year KIBOR
-
Quick processing & disbursal with minimal charges
-
No additional security required beyond mortgaged property
-
Equity participation:
-
30% required for purchase & construction
-
No equity required for construction on owned plot or renovation
-
-
Special renovation limit up to PKR 3.5 million
Eligibility Criteria
-
Applicant must be a Pakistani CNIC holder
-
Age between 23 and 65 years at the time of loan maturity
-
Business must be operating for at least 3 years with satisfactory track record
-
Property must be urban commercial/industrial, mortgaged in the name of Bank Alfalah
-
Insurance required for mortgaged property and borrower (in case of individuals/sole proprietors)
Facility Options under AMF
-
AMF-1: Acquisition of rented commercial/industrial property by present tenant
-
AMF-2: Construction on owned commercial/industrial premises or plot
-
AMF-3: Purchase of constructed commercial/industrial property or land (with construction within 6 months)
-
AMF-4: Renovation of owned commercial/industrial property
Repayment & Terms
-
Equal monthly instalments, with post-dated cheques obtained at disbursement
-
Grace period available (up to 9 months depending on facility type)
-
Early repayment allowed without penalty (except in case of refinancing from another bank)
-
Tenure:
-
2–15 years for AMF-1, 2, 3
-
2–4 years for AMF-4
-
Why Choose Milkiat Finance?
-
The only long-term financing facility in Pakistan dedicated to SMEs for infrastructure development
-
Flexible financing up to PKR 200 million
-
Options for purchase, construction, and renovation
-
Designed to strengthen businesses, not for personal asset building
👉 With Bank Alfalah Milkiat Finance, you can build the space your business deserves and secure long-term growth.
Alfalah Milkiat Finance — a long-term facility for SMEs to acquire, construct or renovate commercial/industrial business premises.
AMF-1: Acquire rented property (by current tenant); AMF-2: Construction on owned plot; AMF-3: Purchase of constructed property/land; AMF-4: Renovation of owned premises.
AMF-1/2/3: PKR 0.5M to PKR 200M. AMF-4 (renovation): PKR 0.5M to PKR 3.5M.
Yes — 30% minimum equity for AMF-1 and AMF-3. No equity required for AMF-2 and AMF-4 (value of owned land/property may count as equity).
AMF-1/2/3 tenures: 2–15 years. AMF-4: 2–4 years. Repaid via equal monthly instalments; post-dated cheques collected at disbursement.
Mark-up is linked to 1-year KIBOR.
Yes — limited grace periods may be allowed (vary by sub-facility): AMF-1 up to 3 months, AMF-2 up to 9 months, AMF-3 up to 6 months; monthly mark-up is serviced during grace.
The financed property is mortgaged in favour of the Bank; personal guarantees required. Property and borrower life insurance (where applicable) will be arranged and premium included in instalments.
Full/ final repayment from your own sources typically carries no penalty; one yearly partial repayment allowed without penalty. If facility is swapped to another bank, a 5% charge on outstanding principal may apply.