UBL Business Loan 2026: Apply for Karobar Finance and PM Youth Loan

United Bank Limited (UBL) is among Pakistan’s leading banks for Small and Medium Enterprises, offering structured financing solutions for business growth in 2026. Whether you plan to expand operations, purchase inventory, or apply under the Prime Minister’s Youth scheme, UBL provides flexible options through its Karobar Loan and government-backed business financing programs.

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UBL Business Loan 2026 Overview

Feature	Details
Bank Name	United Bank Limited (UBL)
Core Product	UBL Karobar Loan
Maximum SME Limit	Up to PKR 40 Million
PM Youth Loan Limit	Up to PKR 7.5 Million
Loan Tenure	1 to 5 Years
Markup Structure	KIBOR + Bank Spread
Security	Property Mortgage (Karobar Loan)
Customer Helpline	0800-55-825
Application Method	Branch Visit / Online (PM Scheme)

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UBL Karobar Loan for Established Businesses

The UBL Karobar Loan is designed for existing businesses that require significant capital for expansion or operational needs. This is a secured financing facility available to sole proprietors, partnerships, and private limited companies.

Small Enterprise Limit up to PKR 25 Million
Medium Enterprise Limit up to PKR 40 Million
Available as Running Finance or Term Finance
Financing up to 75% of Forced Sale Value of property
Tenure up to 5 years depending on facility type

This product is suitable for businesses with stable cash flow and registered assets.

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UBL Prime Minister Youth Business Loan

UBL is an approved bank for the Prime Minister’s Youth Business and Agriculture Loan Scheme, offering subsidized financing to young entrepreneurs.

Tier 2 financing from PKR 5 Lakh to 1.5 Million at 5% markup
Tier 3 financing from PKR 1.5 Million to 7.5 Million at 7% markup
Startups are eligible under this scheme
Application is initiated online through the government portal

Applicants must select United Bank Limited as their preferred bank during online submission.

Other Business Financing Options at UBL

UBL also provides specialized financing products for specific business needs.

UBL Sahulat Loan against savings certificates or deposits
Commercial vehicle financing for logistics and delivery operations
Cash Plus facility against liquid securities or cash deposits

These options help businesses manage short-term and asset-based funding requirements.

Official UBL SME Banking Resource

For detailed product information, eligibility updates, and SME banking services, UBL provides complete guidance on its official platform:
Official SME Banking Page: https://ubldigital.com/SME-Banking

Eligibility Criteria for UBL Business Loan 2026

Applicants must meet the following criteria to qualify for standard UBL business financing.

Business operational history of at least 3 years
Applicant age between 21 and 65 years
Clean e-CIB credit record with no defaults
Valid business registration documents
Proof of income through bank statements or audited financials

PM Youth Loan applicants may apply with relaxed conditions for startups.

Documents Required for Application

The following documents are required for processing:

Valid CNIC copies of owners or partners
NTN certificate and business registration proof
Last 12 months business bank statement
Property documents for secured financing
Basic feasibility or business plan for PM scheme

Step-by-Step UBL Business Loan Application Process

For UBL Karobar Loan:

Visit a UBL branch with an SME Desk
Meet the Relationship Manager and discuss requirements
Submit application form with complete documents
Bank conducts business and property valuation
Credit approval is issued after assessment
Loan limit is activated in your UBL account

For PM Youth Business Loan:

Apply online through pmyp.gov.pk
Select United Bank Limited as processing bank
Submit required information digitally
UBL contacts applicant for verification and next steps

Conclusion

UBL Business Loans in 2026 offer strong financing capacity for both established enterprises and young entrepreneurs. With limits reaching PKR 40 Million under the Karobar Loan and subsidized options under the PM Youth scheme, UBL remains a reliable choice for business growth. Businesses with property collateral can benefit from high-value financing, while startups can access affordable capital through government-supported programs by choosing UBL as their partner bank.