Youth Projects Development Fund - Sharakah

Sharakah fund provides specialized financing solutions for small and medium enterprises (SMEs) through:

· Loans: Funding for working capital and fixed assets.

· Bill Discounting: Short-term financing aimed at improving business cash flow and liquidity.

· Equity Participation: Investment in high-potential projects, aligned with Islamic banking principles.

· Technology & Innovation Investment: Capital participation in commercialization-ready projects, also compliant with Islamic banking.

Small and Medium Enterprises Development Fund - Inma

Designed to offer fast and flexible financing, with capital ranging from OMR 50,000 to OMR 300,000, at subsidized interest rates of up to 2.15%, with a cumulative rate of 4% and repayment periods of up to five years.

Designed to offer fast and flexible financing, with capital ranging from OMR 50,000 to OMR 300,000, at subsidized interest rates of up to 2.15%, with a cumulative rate of 4% and repayment periods of up to five years.

Al Wathba SME Programme

Targeting entrepreneurs, startups, and micro, small, and medium enterprises (MSMEs) with offerings such as:

· Working capital loans

· Short-term and long-term loans

· Investment financing

· Global trade services

· Bank guarantees

Najahi Program

A tailored financing program for small and micro enterprises.

Provides Sharia-compliant financing for MSMEs to support business expansion and development.

Focuses on direct investment in tech startups, offering funding of up to OMR 20,000 at 0% interest, with equity guarantees.

· Microfinance: Funding for home-based microenterprises and small businesses.

To learn more, click here.

· SME Development Loans: Financing for working capital and fixed assets, with an interest rate of 3% and a financing ceiling of OMR 250,000 for business expansion

To learn more, click here.

• Contract Financing: Supports MSMEs with OMR 10,000+, at interest rates between 5%-10%.

  To learn more, click here.

• Asset Financing: Loans for startups and SMEs with OMR 10,000+, at less than 5% interest.

  To learn more, click here.

• Capital Financing: Tailored funding for startups and SMEs, with limits exceeding OMR 10,000, at less than 5% interest

  To learn more, click here.

Provides growth capital financing to expand existing SMEs.

A venture capital firm investing in tech startups, supporting their growth and expansion.

Provides a variety of financing solutions, including:
Working capital loans
Long-term capital expenditure financing
Trade finance
Foreign currency services

Invests in technology startups and small companies, with funding ranging between OMR 1 million to 10 million, in exchange for equity stakes, helping companies scale and expand.

Offers diverse financing options, including:
Working capital loans
Equipment finance
Billing discounts
Construction loans
Export/import financing
Trade finance facilities (Letters of Credit, Guarantees)
Documentary collections

National Bank of Oman offers a wide range of financing programs for small and medium enterprises through the Tijarati program.

Product Lending Program
To learn more, click here.

Trade and Working Capital Program
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Lending without collateral
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Provides integrated working capital financing solutions tailored to SME needs, including:
Commercial Vehicle & Equipment Finance

To learn more, click here.

To learn more, click here.

Oman Financial Services Company offers a range of corporate financing loans in the following areas:

• Asset financing

• Working capital financing

• Project financing

• Construction loans - factories and warehouses

• Bridge financing

Provides medium-to-long-term loans, focusing on industries such as:
Contracting & real estate development
Trade, manufacturing, wholesale & retail sectors
Transportation, hospitality, telecom, education, oil & gas, tourism, and services

Specialized investment programs for technology and software innovation, including:
Software Investment Formation (Early-stage ideas)
Valley Accelerator Investment Program (Acceleration phase)
Jusoor Investment Program (Growth phase)

A cross-border private capital platform focused on sustainable investment and crowdfunding, offering:
Crowdfunding through lending
Equity-based crowdfunding

Financing range: OMR 50,000 to 1,000,000

Objective: Facilitating SME financing through global investor networks.