We offer you a comprehensive range of solutions specifically designed to efficiently and effectively manage your business while meeting the needs of companies and small and medium-sized enterprises (SMEs). Our services are tailored to support your success and enhance your ability to achieve your business goals, including:

Funded Facilities

Flexible financing services designed to provide companies with the liquidity needed to support their operational activities and execute investment projects, including:

• Short-Term Loans
  Loans designed to meet temporary financial needs, such as covering operational expenses or working capital. They are repaid over a short period under flexible terms.

• Medium-Term Loans
  Loans aimed at supporting clients in funding expansion projects or acquiring equipment and machinery. Repayments are made in periodic installments aligned with the client’s operational plan.

• Long-Term Loans
  These loans provide financing for purchasing fixed assets or executing major investment projects. Repayment is structured in periodic installments that match the client’s cash flows.

• Purchase and Leaseback Loans
  Financing for acquiring fixed assets with the option of leasing them back, offering financial flexibility to clients in managing their cash flow.

• Contract Payment Financing (Short-Term for Contracting)
  Financing to cover initial payments associated with contracting and temporary projects, with convenient repayment structures over a short period.

• Post-Financing Loans (Import Financing via Letters of Credit)
  Financing to cover the costs of importing goods through letters of credit, repaid according to a short-term schedule after completing the transaction.

• Invoice Discounting
  A service enabling clients to collect the value of their invoices before their due dates, improving cash flow while repaying the discounted amounts within a short period.

• Overdraft Facilities
  Flexible credit limits that allow clients to exceed their account balance to cover emergency expenses or immediate needs, with repayment terms as agreed.

• Kafalah Program
  A program aimed at providing a government-backed guarantee to help SMEs access the necessary financing. By reducing financial risks, the Kafalah Program facilitates funding for commercial projects, enabling these businesses to expand and grow with low costs and flexible repayment terms.

Non-Funded Facilities

Dedicated services to support companies in meeting their commercial obligations with confidence and flexibility, including:

• Letters of Credit (including Standby Letters of Credit)
  Providing companies with a secure and reliable means to execute commercial transactions and settle supplier payments, ensuring compliance with agreed terms and fostering trust in both local and international dealings.

• Bank Guarantees
  Offering companies financial guarantees to enhance trust with business partners, ensuring contractual obligations are met reliably.