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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
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🕑

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
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★

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
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☪ 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.

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