September 30, 2026
Whether you're looking for financing to purchase commercial real estate, complete a real estate project, or cover your business's working capital needs, access to the right financing solution is a fundamental step in supporting your business's growth. This article explains what corporate and SME financing is, its types, the requirements to get it, and how to apply.
Corporate and SME financing is a financing solution aimed at small and medium enterprises, covering multiple purposes such as purchasing real estate or commercial land, construction or completing real estate projects, and providing renewable working capital solutions, alongside financing against real estate assets as collateral for companies and individuals with high net worth.
Amlak International offers three main products under corporate and SME financing:
Corporate Tawarruq: an annual percentage rate ranging between 10% and 12%, with administrative fees of 1% plus VAT.
Kafalah Tawarruq: an annual percentage rate ranging between 16% and 18%, with administrative fees of 1.5% plus VAT.
Mortgage Tawarruq: an annual percentage rate ranging between 10% and 12%, with administrative fees of 1% plus VAT.
The annual percentage rate and administrative fees may vary depending on the amount, term, credit score, each customer's creditworthiness, and existing support initiatives.
Corporate Tawarruq: a general financing product for small and medium enterprises, based on the enterprise's standard credit assessment, and suited to multiple purposes such as working capital or purchasing real estate.
Kafalah Tawarruq: aimed at enterprises that don't have sufficient collateral to offer to the financing provider, as the customer benefits from a government guarantee through the Kafalah program, which explains the higher annual rate compared to the other two products given the nature of the risk involved.
Mortgage Tawarruq: financing against real estate assets as collateral, which brings its annual rate closer to Corporate Tawarruq, since the real estate collateral reduces the credit risk to the financing provider, making it suited to companies and individuals with high net worth.
Exact requirements vary between providers and products, and final approval is subject to a credit assessment of each enterprise, but the general requirements often include:
A valid commercial registration for the enterprise.
A good credit record for the enterprise or its owner.
Financial data showing the enterprise's activity and repayment capacity.
Real estate collateral, if applying for the real-estate-secured financing product.
Meeting the Kafalah program's conditions, if the enterprise doesn't have sufficient collateral.
There's no fixed maximum amount for SME financing across all providers, as the financing amount depends on the product type, the requested amount, the term, the credit score, and each customer's creditworthiness, alongside existing support initiatives at the time of application. It's recommended to contact the financing provider directly to find out the available ceiling for your enterprise's situation.
Sharia-compliant SME financing is financing built on the Islamic Tawarruq structure instead of traditional interest-based loans, where the enterprise purchases a commodity through the financing provider and then sells it to obtain the required liquidity, repaying the amount in installments. These products are supervised by an approved Shariah board that ensures their compliance with Islamic Shariah principles.
Shariah-compliant structure.
A fast and easy application process.
Early or partial repayment options.
A dedicated relationship manager throughout the financing period.
Flexible installments that align with the enterprise's income and future cash flows.
Multiple repayment options: quarterly, semi-annual, or annual.
Applying for corporate and SME financing usually starts with filling out a financing application with the provider that includes the type of activity, the purpose of the financing, and the requested amount. This is followed by a review of the enterprise's financial data and credit record, and if real estate collateral is available or the Kafalah program's conditions are met, the approval and disbursement procedures are completed according to the provider's process.
Amlak International offers the financing solutions described above for small and medium enterprises, with a dedicated relationship manager following up on your application throughout the financing period, and a fast application process that takes your enterprise's activity into account. You can apply by calling 8001185000, or by filling in your details through the website.
Corporate and SME financing offers a variety of solutions suited to the needs of small and medium enterprises. Conditions and available amounts vary by product and provider, so it's recommended to review the details with the financing provider before applying.
Choosing the best provider depends on the annual percentage rate, administrative fees, and how well the product fits your enterprise's needs. Amlak International is one option that meets this kind of need with a Shariah-compliant structure.
You can get Kafalah-guaranteed financing through a financing provider participating in the program, after meeting the program's specific eligibility requirements. For more details on how the program works and its conditions, you can check our dedicated article on the Kafalah program.
Corporate and SME financing focuses on supporting existing businesses, such as financing working capital or purchasing real estate, and not necessarily funding the establishment of a project that hasn't started operating yet. If you're at the starting stage, personal finance may be an alternative option to cover initial costs.
Yes, administrative fees apply to corporate financing, and the percentage varies by product, typically ranging between 1% and 1.5% of the financing amount plus VAT.
It's recommended to contact the financing provider early if you face financial difficulties, as repayment restructuring options may be available depending on each provider's policy and an assessment of the enterprise's situation.
Yes, Tawarruq financing can be directed toward short-term needs such as working capital, or long-term needs such as purchasing real estate or completing projects, depending on the nature of the product chosen.