Some dreams are best fulfilled with ahlibank!

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Preface – Small & Medium EnterpriseAhlibank understands that the small and medium enterprises (SMEs) not only play an important role in the economy of our country but are crucial to the nation’s economic stability. Our research has shown that in most countries SMEs generate a substantial share of GDP and a key source of new jobs as well as breeding ground for entrepreneurship and new business ideas. We understand and believe that Small and medium enterprises (SMEs) are the lifeline of any economy. Just a dream to own a business is not enough; nurturing a growing business needs responsibility. Innovation, ownership ability and capability, creating employment, and accessing legal and financial aid for a business start-up are vital to enhance the scope of the SME sector in Oman.

Our “Al Mubadara” Small & Medium Enterprises products aim at helping you realize your dreams by providing you with products that fit your business needs. We believe in the importance of SME's as an inevitable part of a modern economy. Our products and services cover a wide range of industries with working capital finance, lease finance, term loan & trade finance facilities. Our goal is not just to be a financial institution that provides the run of the mill services to its clients, but we are looking at improving the working environment to suit with the requirements of the SME sector. We want to help SME’s deal with the obstacles they face, we want to spread the culture of leadership among the business pioneers and encourage them to take initiatives and be creative. We want to help Improve the business and management culture for SME and at the same time support the business of individual firms and SME companies.

Product Profile

Lease Financing

Ahlibank Lease Finance offers options for commercial entities to acquire the following assets for business use:

• Motor Vehicle including saloon cars, 4X4, mini-vans, buses, etc

• Heavy Equipment such as Road Construction Equipment, Cranes, Ready-Mix, Crushers etc

• Industrial Equipment such as Manufacturing Plant, Forklift, Lift, etc

We offer the flexibility of acquiring both new and used

equipment. Our program provides flexible repayment plan

based on the cash flow of the company at competitive

terms. We understand the need for speed in delivery. Our

team of professional Relationship Managers works closely

with you to understand your business and deliver

exceptional service.

We welcome you to visit anyone of our branch or contact

our Relationship Managers to discuss in details how we

may serve you best.

Commercial Facilities

Ahlibank SME Commercial is dedicated to provide business entities with the finest Commercial Banking services that is customized to suit the needs of Entrepreneur. A dedicated team of experienced and qualified Relationship Managers understand your business needs and are prepared to work closely with you to fulfill your business goals. Our offering under the SME Commercial comprises of the following products to suit your needs:

• Overdraft

• Letters of Credit for import/local supply of goods/raw materials.

• Advance (TR) for refinance of Letters of Credit and Direct Purchases.

• Bills Discounting for discounting of certified invoices against projects/supply orders backed by assignment of proceeds to Ahlibank.

• Bank Guarantees (Tender, Performance, Advance Payment, Retention, Payment Guarantee etc).

• Term Loan to finance the acquisition of Fixed Assets or other business Investments.

• Real Estate Loan to finance acquisition of existing build up property or Construction of Commercial/Residential Properties.

• Short Term Loan: to meet short term working capital needs.

Our products are designed with the most updated knowledge of the market and most competitive terms. Our tailor made products are structured for Entrepreneur in all sector of the market.

We welcome you to visit anyone of our branch or contact our Relationship Managers to discuss in details how we may serve you best.