Corporate Services
Small and Medium Enterprise Financing
Entrepreneur Financing
Microfinance Enterprise Financing
Commercial Sector Financing
Industrial Sector Financing
Service Sector Financing
Medical and Health Sector Financing
Agricultural and Fisheries Sector Financing
Energy Sector Financing
Financing Small and Medium Enterprises
SBYB offers a range of financing programs specifically designed for small and medium enterprises, based on various Islamic financing formulas, with multiple benefits, favorable terms, and flexible guarantees that meet the needs of various sectors. Through these financing programs, SBYB aims to support these enterprises and enable them to achieve self-sufficiency, which contributes to enhancing their ability to expand and benefit from financial services, thus achieving sustainability and growth. SBYB seeks to contribute to the development of various commercial and service sectors, expand the local production base, and enhance food security by providing appropriate financing for the agricultural and fisheries sectors. Furthermore, SBYB pays special attention to financing the energy, medical, and health sectors, based on its vision to support the national economy, ensure continued economic growth, contribute to increased national income, and create new job opportunities, which contributes to achieving comprehensive and sustainable economic development. As part of SBYB's commitment to supporting women's economic empowerment, SBYB allocates financing programs targeted at supporting women's projects, with the aim of enhancing the role of women in entrepreneurship and encouraging their active participation in the economy. It also strives to provide innovative financial solutions tailored to the needs of women entrepreneurs, contributing to enhancing their financial independence and supporting the growth of women's businesses across various sectors, particularly in the craft, commercial, and service sectors.
Features
- Financing according to various Islamic formulas.
- Various and flexible guarantees.
- Appropriate repayment periods.
- Quick and smooth procedures.
Required (or acceptable) guarantees:
Gold guarantee
Cash guarantee
Salary guarantee
Bank letter of guarantee
Commercial guarantee
Basic requirements and conditions:
- Ability to provide the required guarantees.
- Valid ID.
- Proof of business ownership documents.
- Provide financial statements for the business.
- Complete the forms required by the bank.
- The applicant must be between 18 and 65 years old.
- Financing is granted in the same currency as the income.
- Possess the ability to repay.
Benefits and Advantages Customers Will Receive
Opening free accounts (current, savings, and investment deposit accounts).
A free electronic money account (Shamil Money).
Get a free ATM card.
Benefiting from domestic and international remittance services and SWIFT services.
Benefiting from documentary credit and letter of guarantee services.
Benefiting from other banking services.
