Credit Terms & Conditions
Flexible payment solutions for your business needs. Build your credit relationship with KSON.
Credit Account Benefits
Establish a credit account with KSON and enjoy flexible payment terms designed for business growth.
Flexible Terms
15 to 60-day payment terms based on your credit profile.
Higher Limits
Credit limits from PKR 50,000 to PKR 5,000,000.
Secure Process
Bank-grade security for all credit applications and transactions.
Easy Application
Simple online application with quick approval process.
Available Terms:
Early Payment Discount:
Save money by paying early and improve your credit standing with us.
Credit Tiers:
Perfect for small businesses and new accounts
Ideal for growing businesses with established credit
For large corporations with excellent credit history
Tailored solutions for enterprise clients
Credit Application Process
Simple 4-step process to establish your credit account
Submit Application
Complete our online credit application form with your business details.
Document Review
Our team reviews your financial documents and business credentials.
Credit Assessment
We conduct a thorough credit assessment and determine your limit.
Account Activation
Upon approval, your credit account is activated and ready to use.
Required Documents
Please prepare the following documents for your credit application
- Business Registration Certificate
- National Tax Number (NTN)
- Sales Tax Registration (if applicable)
- Chamber of Commerce Membership
- Business Bank Account Details
- Last 6 months bank statements
- Financial statements (last 2 years)
- Trade references (3 suppliers)
- Credit bureau report (if available)
- Authorized signatory details
Terms & Conditions
Payment Terms
- • Payment is due within the agreed credit terms (15, 30, 45, or 60 days)
- • Late payment charges of 2% per month will apply on overdue amounts
- • Early payment discount of 2% available for payments within 10 days
- • All payments must be made in Pakistani Rupees (PKR)
Credit Limit Management
- • Credit limits are reviewed quarterly and may be adjusted based on payment history
- • Exceeding credit limit may result in order delays or cancellation
- • Credit limit increases require formal application and approval
- • Temporary credit limit increases may be available for special orders
Account Management
- • Monthly statements will be provided via email
- • Account holders must notify us of any billing discrepancies within 30 days
- • Credit accounts are subject to periodic review and may be suspended for non-payment
- • Personal guarantees may be required for certain credit applications
Default and Collections
- • Accounts overdue by 90+ days may be referred to collection agencies
- • Legal action may be taken for severely delinquent accounts
- • Collection costs and legal fees will be added to outstanding balances
- • Credit privileges may be suspended or terminated for payment defaults
Credit Support Team
Our dedicated credit team is here to help with your application and account management.
Credit Hotline
+92 300 1234567
Mon-Fri, 9 AM - 6 PM
Credit Email
credit@kson.pk
Response within 24 hours
Application Form
Printable application form
Quick Approval Process
Most credit applications are processed within 2-3 business days. Complete applications with all required documents receive priority processing.