To qualify for the loan, applicants must submit a copy of their CNIC, two passport-size photos, and recent utility bills. The application requires two personal guarantees from creditworthy individuals, each with a copy of their CNIC. Business proof, two security cheques, and collateral are also mandatory. Acceptable collateral includes two personal guarantees from reputable local individuals or a lien/mortgage on residential, commercial property, or an Agri Pass Book.