Can a new business get a loan in Pakistan?

Quick answer

It's harder for brand-new businesses because most lenders want a track record — often at least a year of operations and bank history — but it's possible, especially through State Bank refinance and credit-guarantee schemes that reduce collateral or rates for eligible SMEs. The strongest applications show an NTN and filer status, documented bank turnover, clean financials, and a clear repayment case, so building documented history early pays off.