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Finance Amount
OMR 5,000 – OMR 500,000
HomeDebt Factoring
Capital to grow
your business.
500
KMax finance (OMR)
60
moMaximum tenure
48
hrIndicative approval time
Dedicated
Finance advisor
SME Finance Calculator
Estimate your monthly repayment
Adjust the sliders to explore what works for your business. Your finance advisor confirms the exact structure when you apply.
What are you financing?
OMR 15,000
OMR 1,000OMR 50,000
36 months
6 months60 months
Estimated Monthly EMI
OMR 454
Per month · 36 months · OMR 15,000
Finance Amount
OMR 15,000
Total Interest
OMR 1,330
Total Repayment
OMR 16,330
Indicative Rate
5.6% p.a.
Product Details
What you need to know
Full terms at a glance. Your advisor walks through the exact figures once you're ready to apply.
Tenure
6 – 60 months
Indicative Rate
Competitive — confirmed at application
Repayment
Equal monthly instalments
Collateral
Subject to credit assessment
Approval Time
Indicatively within 48 hours
Early Settlement
Available — terms apply
All applicants subject to BCSB credit check and UFC credit approval process. Final eligibility confirmed by your finance advisor.
What to prepare
Documentsrequired
Your finance advisor will guide you through the full checklist. These are the core documents to have ready before your first meeting.
Company Commercial Registration (CR)
BusinessValid CR certificate issued by the Ministry of Commerce. Must be current and reflect accurate business activity.
Owner / Authorised Signatory ID
IdentityOmani national ID or valid residence card of the business owner or authorised signatory. Original + copy.
Business Bank Statements
FinancialsLast 6 months of business account statements. Demonstrates trading activity, cash flow, and existing obligations.
Audited Financial Statements
AccountsLast 2 years of audited accounts where available. For newer businesses, management accounts and contracts on hand may be accepted.
Your finance advisor will confirm the full checklist based on your business type and facility size. Additional documents may be required.
Simple process
3 simple stepsto your car
Your finance advisor handles the complexity. Most term loan approvals are completed within 48 hours of a complete application.
Speak to a finance advisor
Call 80008322, WhatsApp 9266 7773, or visit any branch. We'll discuss your business needs and the right finance structure for you.
Submit your documents
Provide your CR, ID, bank statements and financial accounts. Your advisor confirms the full checklist based on your facility size and business type.
Receive approval and disbursement
Our credit team processes your application. Once approved, funds are disbursed directly to your business account — typically within 48 hours.
Subject to UFC's credit approval process and financing criteria. Additional checks may apply.
FAQ
Frequently asked questions
SME term loans can be used for a wide range of business purposes — expansion, purchasing equipment, acquiring stock, funding a new contract, or refinancing existing obligations. Your finance advisor can help structure the right facility for your specific need.
ANY HELP
Get in touch.
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