Applying for business finance and unsure whether your documentation will stand up to a credit committee? The Most SME finance applications in Pakistan fail on documentation rather than on the underlying business. IMAAR Associates prepares that documentation to the standard a credit committee expects. Our Cost & Management Accountants are registered with ICMAP, and our licensed Income Tax Practitioners can resolve the tax-position issues that block applications before the numbers are even read.

What we prepare for you

  • Application Preparation — we ensure your application is complete, accurate, and professionally prepared
  • Tax Filer Services — we help you become a tax filer, a common precondition to eligibility
  • Financial Statements & Projections — profit & loss statements, balance sheets and cash flow projections as required by banks
  • Business Profile & Feasibility Study — a well-structured profile improves your application’s credibility
  • Finance documentation preparation — assistance gathering and submitting all required documents

What lenders typically require

  • Amounts and eligibility are determined by the lender
  • Eligibility: Small and medium enterprises (SMEs), startups, and existing businesses
  • Repayment terms are agreed between you and the lender
  • Terms are set by the lender and are not determined or influenced by us
  • Security requirements are set by the lender

How the engagement works

Step 1: Review the lender's published criteria

Ensure your business meets the scheme’s requirements, such as being a registered SME, startup, or growing business in Punjab.

Step 2: Prepare Required Documents

CNIC of applicant, business registration documents, taxpayer (filer) status, business plan & feasibility study, bank statements and financial records, and collateral details (if required).

Step 3: Submission

IMAAR Associates prepares and submits your application with all necessary documents to the designated bank.

Step 4: The lender's assessment

The bank assesses your application based on financial projections, business stability, and repayment capacity.

Step 5: The lender's decision

If the lender approves the facility, it disburses funds directly to you on the terms you agree with them. We have no role in that decision or in the disbursement.