Financial Solutions
Financial Solutions
Private Equity
Sharakah ventures
- Equity
- Convertible Debt
- Safe
Equity
OMR 100,000 up to OMR 350,000
Debt
OMR 10,000 up to OMR 350,000
Invoice Factoring
Up to OMR 500,000
Sharakah Ventures
OMR 10,000 up to OMR 50,000
Details
Equity
OMR 100,000 to OMR 350,000
Growth Equity
No Data Found
51% Promoter Contribution
49% Sharakah Contribution
Shareholding between
10% to 49%
Clear exit strategy
within 6 years
Explore our Growth Equity Solution, for high-growth SMEs
Loans
OMR 10,000 to 350,000
20%
Promoter’s Contribution For Existing Projects
33%
Promoter’s Contribution For New Projects
5%
Interest Rate
6 Years Tenure
Term Loan for Assets based Funding and Working Capital
Required loan Amount between
OMR 10,000 TO OMR 350,000
Minimum Promoter’s Contribution – For New Projects 33% and For Existing 20%
Risk rate from -1 and up to 3%, depends on project viability, Promoter’s capability, Promoter’s commitment and more
Loan Period Maximum 6 years, including Moratorium
Interest rate 5%
Bill Discounting
OMR 25,000 to OMR 200,000
Up To
80%
Bill Discounting
Revolving Limit
5%
Interest Rate
Up to
120 Days
Credit Period
Tailored for Short-Term requirement to Boost Cash Flow and Business Liquidity
120 Day’s credit period
Facility for SMEs providing products/services to large public/private sector organizations
Submitting audited financials
Investment amount between OMR 25,000 to OMR 200,000
Revolving limit to be renewed annually
The business has to be in existence for at least one year
Invoice Factoring
Up to
120 Days
7.2% to 14.4%
OMR 100,000/- to maximum OMR 500,000
To improve the cash flow and liquidity of the SMEs by providing them with immediate cash against the goods sold and / or services provided to large purchaser companies
Eligibility
For Purchaser
The purchaser of goods / services from the seller shall be large companies, having a good market standing and impeccable record of making payments to its suppliers within the agreed credit period
The scheme will cover bills arising out of purchase of indigenous components / parts / sub-assemblies / accessories / intermediaries manufactured by SMEs (including units undertaking job-work) and any services rendered by them. The purchaser shall make payments directly to Sharakah within the credit period notified on the invoice / bill
The purchaser of goods and services should have a turnover exceeding OMR 5 million per year.
The purchaser of goods /services should demonstrate a good financial record
For Seller
Companies in the SME Sector supplying goods or providing services like transportation, repairs, maintenance, computerization, canteen services, advertising, publicity, construction contractors, etc. to large purchaser companies will be covered.
The company should be in existence for at least one year.
Company should have earned Net Profit in the previous year/s.
Company should not be in default to banks / financial institutions.
Company should agree to a credit check via Malaa
Sharkah Ventures
Impact and Innovation
About Sharakah Ventures:
Is an impact driven financial solution created to invest in startups and innovators in the pre seed and seed stage in Oman’s ecosystem.
Purpose
Is to drive significant impact through strategic financial investments, incubation, capacity building, and fostering a robust entrepreneurial culture.
Also to offer investors a platform to invest in the future where capital does more than grow, it impacts and transform
Philosophy
Visionary Investments: We look beyond the numbers to invest in the ideas and people that have the potential to transform markets and communities.
Strategic Growth: Our approach is not just about financial support; it’s about building partnerships that foster strategic growth and long-term success.
Offering
Capital Investment: Providing the crucial financial fuel to power your startup’s journey.
Mentorship & Guidance: Access to industry experts and mentors who can guide you through the intricate paths of entrepreneurship.
Networking Opportunities: Connecting you with a network of industry leaders, investors, and fellow entrepreneurs to expand your reach and impact.
Investment Focus
Our investment focus spans a range of sectors, prioritizing innovative solutions and sustainable business models. We believe in diversity, not just in our portfolio but also in our approach, embracing startups at various stages of their lifecycle.
Potential limited partner / investor?
- Strategic Growth – Invest in a long-term growth and market transformation.
- Diverse Portfolio – Diversify your investments across innovative and sustainable sectors including fintech and technology-driven startups.
Fill the gap – in the pre seed and seed stages.
Partner with us
Empower your startup with Sharakah Ventures, where innovation meets experience. We don’t just offer capital; we provide a launchpad for your groundbreaking ideas with mentorship, networking, and strategic guidance.
Sharia Compliant Services
Ijara Muntahia Bittamleek
A lease-to-own financing solution that enables SMEs to acquire essential business assets while complying with Shariah principles.
Key Features
Structured lease payments leading to full ownership
Ideal for acquiring tools, machinery, or other fixed assets
Flexible repayment terms to support business growth
Amount
OMR 10,000 – OMR 350,000
Duration
Up to 6 years (including moratorium period)
How it works?
- Sharakah purchases the asset on behalf of the SME.
- The SME leases the asset with structured payments.
- Ownership transfers to the SME upon completion of payments.
Musharakah Muntahia Bittamleek
A co-investment model where Sharakah partners with SMEs in acquiring assets, and financing working capital and other business requirements allowing them to gradually take full ownership.
Key Features
Sharakah and the SME jointly invest in the company
The SME acquires full ownership over time through agreed shares purchase
Encourages shared risk and financial discipline
Shariah compliant funding
Amount
OMR 100,000 – OMR 350,000
Duration
Exit within 6 years
How it works?
- Sharakah and the SME co-own the company
- The SME gradually buys Sharakah’s share
- Full ownership transfers to the SME upon purchase of full shares of Sharakah
Murabaha
A cost-plus profit financing model where Sharakah purchases assets and sells them to SMEs at an agreed profit margin
Key Features
Transparent cost structure with a pre-agreed profit margin
No hidden fees or interest-based transactions
Ideal for purchasing inventory, equipment, and other business essentials
Structured repayment terms to support financial planning
Amount
OMR 10,000 – OMR 350,000
Duration
Up to 6 years (including moratorium period)
How it works?
- Sharakah purchases the required asset
- The SME buys the asset from Sharakah at a pre-agreed price
- Payment is made in installments based on an agreed schedule
Wakalah Bil Istithmar
A structured investment agency agreement where SMEs invest Sharakah’s money on specific projects to generate returns while ensuring Shariah compliance.
Key Features
Ethical investment opportunities with risk management
Professional fund management for business growth
No interest-based transactions, ensuring compliance with Islamic principles
Flexible terms based on investment objectives
Amount
OMR 10,000 – OMR 350,000
Duration
Customized based on the project
How it works?
- Sharakah entrusts the SME with funds for investment
- The SME invests the funds in approved Shariah-compliant ventures
- Sharakah receives returns based on agreed terms
Equity
OMR 100,000 to OMR 350,000
Growth Equity
No Data Found
51% Promoter Contribution
49% Sharakah Contribution
Shareholding between
10% to 49%
Clear exit strategy
within 6 years
Explore our Growth Equity Solution, for high-growth SMEs
Loans
OMR 10,000 to 350,000
20%
Promoter’s Contribution For Existing Projects
33%
Promoter’s Contribution For New Projects
5%
Interest Rate
6 Years Tenure
Term Loan for Assets based Funding and Working Capital
Required loan Amount between
OMR 10,000 TO OMR 350,000
Minimum Promoter’s Contribution – For New Projects 33% and For Existing 20%
Risk rate from -1 and up to 3%, depends on project viability, Promoter’s capability, Promoter’s commitment and more
Loan Period Maximum 6 years, including Moratorium
Interest rate 5%
Bill Discounting
OMR 25,000 to OMR 200,000
Up To
80%
Bill Discounting
Revolving Limit
5%
Interest Rate
Up to
120 Days
Credit Period
Tailored for Short-Term requirement to Boost Cash Flow and Business Liquidity
120 Day’s credit period
Facility for SMEs providing products/services to large public/private sector organizations
Submitting audited financials
Investment amount between OMR 25,000 to OMR 200,000
Revolving limit to be renewed annually
The business has to be in existence for at least one year
Invoice Factoring
Up to
120 Days
7.2% to 14.4%
OMR 100,000/- to maximum OMR 500,000
To improve the cash flow and liquidity of the SMEs by providing them with immediate cash against the goods sold and / or services provided to large purchaser companies
Eligibility
For Purchaser
The purchaser of goods / services from the seller shall be large companies, having a good market standing and impeccable record of making payments to its suppliers within the agreed credit period
The scheme will cover bills arising out of purchase of indigenous components / parts / sub-assemblies / accessories / intermediaries manufactured by SMEs (including units undertaking job-work) and any services rendered by them. The purchaser shall make payments directly to Sharakah within the credit period notified on the invoice / bill
The purchaser of goods and services should have a turnover exceeding OMR 5 million per year.
The purchaser of goods /services should demonstrate a good financial record
For Seller
Companies in the SME Sector supplying goods or providing services like transportation, repairs, maintenance, computerization, canteen services, advertising, publicity, construction contractors, etc. to large purchaser companies will be covered.
The company should be in existence for at least one year.
Company should have earned Net Profit in the previous year/s.
Company should not be in default to banks / financial institutions.
Company should agree to a credit check via Malaa
Sharkah Ventures
Impact and Innovation
About Sharakah Ventures:
Is an impact driven financial solution created to invest in startups and innovators in the pre seed and seed stage in Oman’s ecosystem.
Purpose
Is to drive significant impact through strategic financial investments, incubation, capacity building, and fostering a robust entrepreneurial culture.
Also to offer investors a platform to invest in the future where capital does more than grow, it impacts and transform
Philosophy
Visionary Investments: We look beyond the numbers to invest in the ideas and people that have the potential to transform markets and communities.
Strategic Growth: Our approach is not just about financial support; it’s about building partnerships that foster strategic growth and long-term success.
Offering
Capital Investment: Providing the crucial financial fuel to power your startup’s journey.
Mentorship & Guidance: Access to industry experts and mentors who can guide you through the intricate paths of entrepreneurship.
Networking Opportunities: Connecting you with a network of industry leaders, investors, and fellow entrepreneurs to expand your reach and impact.
Investment Focus
Our investment focus spans a range of sectors, prioritizing innovative solutions and sustainable business models. We believe in diversity, not just in our portfolio but also in our approach, embracing startups at various stages of their lifecycle.
Potential limited partner / investor?
- Strategic Growth – Invest in a long-term growth and market transformation.
- Diverse Portfolio – Diversify your investments across innovative and sustainable sectors including fintech and technology-driven startups.
Fill the gap – in the pre seed and seed stages.
Partner with us
Empower your startup with Sharakah Ventures, where innovation meets experience. We don’t just offer capital; we provide a launchpad for your groundbreaking ideas with mentorship, networking, and strategic guidance.
