Finance Amount
5,000 – 500,000
SME Term Loans
500
KMax finance ()
60
moMaximum Tenor
48
hrIndicative approval time
Dedicated
Finance advisor
Product Details
What you need to know
Move your business forward with our range of financial services, and support for your working life. We understand the financing requirements of SME businesses during their journey of growth. To help corporates grow and expand, we provide funding through term loans for capacity expansion, plant modernization, warehouse operations, and more. You will enjoy a personalized experience through our Relationship Managers, who have extensive experience across various industries. Term loans give you clear visibility of your committed cash flows, helping better business planning and their fixed rate nature gives you a hedge against inflation.
Tenor
6 – 60 months
Indicative Rate
Competitive — confirmed at application
Repayment
Equal monthly instalments
Collateral
Subject to credit assessment
Approval Time
Indicatively within 48 hours
Terms and Conditions apply in accordance to Central Bank of Oman regulations
Application Checklist
Ready to Apply?
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 Term Loan
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 8000 83 22, 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.
REGULATED & COMPLIANT
