Apply Now

Apply for financing

Complete the form below — it takes around 10 minutes. We'll review your application and contact you within 2 business days.

What type of project are you applying for?

Your answer determines which documents and details are required in the next steps.

🌱

Greenfield (New Project)

A new business or project that has not yet started operations. You have a business plan but no operating history.

StartupsNew venturesBusiness plan required
🔒

Brownfield (Existing Business)

An established business seeking expansion capital, working capital, or growth financing. You have financial history.

Growth capitalWorking capitalAudited financials required
Getting started

Primary Contact

The main person Sharakah will contact about this application.

Please enter your full name
+968
Please enter an 8-digit Omani mobile number
Please enter a valid email address
Please tell us how you heard about Sharakah

Shareholders / Promoters

Add all shareholders. Total ownership must equal 100%. At least one Omani national is required.

Step 1 of 4

Business Information

Tell us about the business or project you're seeking financing for.

Please enter your business or project name
Please select a governorate
Please select a sector
Please describe your business
Step 2 of 4

Financing Requirements

Tell us what you need. We'll confirm the best fit during your consultation.

Break down your project budget by category and source. For each line, enter how much you'll need from Sharakah, how much you'll contribute yourself, and any other financing sources (other banks, grants, etc.).

CategorySharakah (OMR)Your Contribution (OMR)Other Sources (OMR)Row Total
Total OMR 0 OMR 0 OMR 0 OMR 0
Sum of all columns in the breakdown above
Sum of the "Sharakah" column · Maximum financing from Sharakah is OMR 350,000
Minimum 33% of total project cost required for new projects
Please select a preferred tenure
A moratorium defers principal repayment for an initial period
Collateral can support stronger financing terms but isn't required for all products.

If you have any quotations, invoices, or other supporting documents for your funding request, you can attach them here. This helps Sharakah understand the costs involved.

Step 3 of 4

Document Upload

Upload your documents below. 4 documents are required. You can upload multiple files for any item (e.g. one Civil ID per shareholder). Accepted formats: PDF, DOCX, XLSX, JPG, PNG (max 10 MB each).

Required
📄
Business Plan
Full business plan including financial projections
Required
🪪
Promoter Civil ID
Copy of valid Omani Civil ID or Passport
Required
📋
Promoter CV / Resume
Academic and professional background
Optional
🏢
Commercial Registration
CR certificate (if already registered)
Optional
📜
Permits & Clearances
Any sector-specific licences or approvals
Required
✍️
Mala'a Consent Form
Signed credit report consent — fill it online, or download the form, sign it, and upload it back
Step 4 of 4
!
You skipped some steps You need to complete some sections before submitting your application.

Application Summary

— · Financing
Applicant name
—
Email
—
Mobile
—
How heard about Sharakah
—
Shareholder 1 (Primary)
—
Business / Project name
—
Governorate
—
Financing product
Financing
Amount requested
OMR —
Tenure
—
Documents uploaded
0 files
Purpose of funding
—

Additional notes (optional)

Anything you'd like Sharakah's team to know that isn't captured above? Add a brief note here. (Optional — leave blank if you have nothing to add.)

Declaration

By submitting this application I confirm that:

Review & submit
FINANCING PROCESS

From Initial Consultation to First Disbursement.

A clear process. Defined steps. Dedicated support. Applications can progress from initial consultation to first disbursement in as little as 20 working days, subject to timely submission of all required documents and completion of due diligence requirements. Here's what to expect at every stage.

See the 4 steps → ← Back to products
1
Apply
When you're ready
2
Assessment
~10-15 working days
3
Committee decision
~5 working days
4
Funds released
~5 working days
280+
Projects funded
~20 days
Working-day timeline
25 yrs
Supporting Omani SMEs
STEP BY STEP

Four steps. No surprises.

Click any step to see what happens and what’s needed from you.

1
Apply
When you're ready
2
Assessment
~10-15 working days
3
Committee Decision
~5 working days
4
Funds Released
~5 working days
QUESTIONS

Common concerns, answered honestly

Each case is reviewed individually as part of the assessment stage; a past issue does not automatically disqualify an application.

Audited financial statements are required for existing businesses where applicable; new businesses submit a business plan and supporting documents instead.

Eligibility depends on the specific financing product; your advisor will confirm suitability during the initial consultation.

Yes, Sharia-compliant financing structures are available; discuss this with your advisor during the initial consultation.

Required security documents are confirmed during the assessment stage and completed as part of Step 4.

Funds are released according to the approved schedule following completion of documentation and pre-disbursement checks.

The profit rate is determined based on the financing proposal reviewed and approved by the committee.

Your advisor will confirm any applicable fees during the initial consultation.

START TODAY

Ready to obtain financing?

Free initial consultation — no documents needed, no commitment required. We'll tell you honestly which product fits and what to expect.

→ Apply now 📞 WhatsApp us ✉ Email us 📞 Call +968 24 47 93 00

Business Tower, Muscat Hills, Airport Heights, Al Seeb, Sultanate of Oman

Office hours
Sunday – Thursday, 8am – 4pm
Free consultation
No commitment, no documents needed
Location
Muscat Hills, Al Seeb
Financial Solutions

Supporting Omani Entrepreneurs Through Every Stage of Growth

Sharakah offers a full range of financing and investment solutions for Omani SMEs — from first-time founders to established growth businesses. Equity, financing, Sharia-compliant, and venture structures under one roof.

Apply now → See Financing Process
↓

Term Financing

OMR 10,000 – 350,000

Most common
⏱

Working Capital

OMR 10,000 – 200,000

Short-term
★

Venture & Equity

OMR 10,000 – 350,000

Growth capital
🛡

Sharia Compliant

Across all products

First in Oman

280+

Projects funded

OMR 6M+

Total invested

25 yrs

In operation

FINANCING & INVESTMENT PRODUCTS

Three financing and investment solutions for your business

Whether you are starting a new venture, expanding an existing business, or addressing working capital requirements, Sharakah offers tailored financing and investment solutions to support your growth.

Most popular
↓

Term Financing

OMR 10,000 – 350,000

Long-term financing to start, expand, or modernise your business. The widest fit in our range — for asset purchases, fit-outs, expansion projects, and new ventures that need time to mature before repayment begins.

  • Tenure: 12 months to 6 years
  • Available for new (greenfield) & existing (brownfield) businesses
  • Promoter contribution: 33% (new) / 20% (existing)
  • Moratorium available for new projects
New businessesExisting businessesSharia option
Apply for this product →
🕑

Working Capital Financing

OMR 10,000 – 200,000

Bridge cash-flow gaps and keep operations running smoothly. Funds inventory, payables, and short-term operational needs — including bill discounting that releases up to 80% of the value of unpaid bills owed by your buyers.

  • Tenure: up to 12 months
  • For existing businesses (1+ year in operation)
  • Includes bill discounting — advance up to 80% of bill value
  • Revolving facility option available
Existing businessesLiquidity & cash flowSharia option
Apply for this product →
★

Venture & Growth Equity

OMR 10,000 – 350,000

Equity investment for ambitious businesses — Sharakah participates as an equity investor, sharing in the growth potential of the business. Pre-seed and seed capital for high-impact startups, or growth equity for established companies ready to scale. Investment returns are typically realized upon exit from the investment.

  • Sharakah Ventures: OMR 10K – 50K for early-stage startups
  • Growth Equity: OMR 100K – 350K for established businesses (3+ years)
  • Sharakah stake: 10% – 49% (minority position)
  • Mentorship, networks, and operational support included
StartupsEstablished businessesSharia compliant
Apply for this product →
☪ SHARIA-COMPLIANT

The full Sharakah range — without compromising your principles

Sharakah is the first SME fund in Oman to offer a comprehensive range of Sharia-compliant financing structures — covering every product in our portfolio. From asset acquisition and lease-to-own arrangements, to working-capital partnerships and growth equity — there's a Sharia-approved structure for every stage of your business.

Explore the four structures ↓

SHARIA COMPLIANT SOLUTIONS

Islamic financing built for Omani businesses

All structures are reviewed and approved by Sharakah's Sharia Supervisory Board and are designed in accordance with Islamic finance principles. The same four-step application process applies.

Ijara Muntahia Bittamleek

إجارة منتهية بالتمليك

Lease-to-own

Sharakah purchases a business asset on your behalf. You lease it with structured payments, then take full ownership at the end of the term. Ideal for machinery, equipment, and fixed assets.

OMR 10K - 350KUp to 6 years

HOW IT WORKS

  1. Sharakah purchases the asset on your behalf
  2. You lease the asset with structured periodic payments
  3. Ownership fully transfers to you upon final payment

Musharakah Muntahia Bittamleek

مشاركة منتهية بالتمليك

Co-investment

Sharakah co-invests alongside you in assets, working capital, or business requirements. You gradually buy back Sharakah's share over time until you hold full ownership.

OMR 100K - 350KExit within 6 years

HOW IT WORKS

  1. Sharakah and your business jointly co-own the asset or company
  2. You progressively acquire Sharakah's share over the agreed timeline
  3. Full ownership transfers once all shares are purchased

Murabaha

مرابحة

Cost-plus

Sharakah purchases the asset or inventory you need and sells it to you at a pre-agreed price. The sale price, including Sharakah's agreed profit margin, is disclosed and fixed at the outset of the transaction.

OMR 10K - 350KUp to 6 years

HOW IT WORKS

  1. Sharakah purchases the required asset or inventory
  2. Sharakah sells it to you at a pre-agreed price including profit margin
  3. You repay in installments on an agreed schedule

Wakalah Bil Istithmar

وكالة بالاستثمار

Investment agency

A structured investment agency agreement where your business manages Sharakah's capital on a specific project, generating returns on agreed terms. Flexible — customised to your project.

OMR 10K - 350KCustomised duration

HOW IT WORKS

  1. Sharakah entrusts you with capital for a specific Sharia-compliant project
  2. Your business invests and manages the funds in approved ventures
  3. Profits are distributed in accordance with the agreed Wakalah arrangement

SHARAKAH VENTURES

More than capital. A launchpad.

Sharakah Ventures backs pre-seed and seed-stage startups with investment, mentorship, and access to Oman's most active entrepreneurial network. We invest in ideas and people, not just numbers.

Apply for Ventures →
💰

Capital investment

OMR 10,000 – 50,000 through equity investment structures for innovative startups.

👥

Mentorship & guidance

Access to industry experts, serial entrepreneurs, and sector specialists who guide you through the journey.

🔗

Network & ecosystem

Direct connections to investors, corporates, and fellow founders across Oman's startup ecosystem.

🔧

Capacity building

Workshops, training, and support programs tailored to early-stage founders building in Oman.

Eligibility

Quick Eligibility
Check

Answer 6 quick questions — we'll show you whether Sharakah is a fit and which products may suit your needs.

Ready to apply?

See exactly how the process works — four steps, no surprises.

Apply now
WhatsApp us
See the financing process →

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