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.
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.
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.
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.
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 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.
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.
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.
Answer 6 quick questions — we'll show you whether Sharakah is a fit and which products may suit your needs.
See exactly how the process works — four steps, no surprises.
A clear process. Defined steps. Dedicated support. Applications can progress from initial consultation to first disbursement in as little as 20 working days, subject to timely submission of all required documents and completion of due diligence requirements. Here's what to expect at every stage.
Click any step to see what happens and what's needed from you.
Free initial consultation — no documents needed, no commitment required. We'll tell you honestly which product fits and what to expect.
Based on an average indicative rate. Adjust the amount and tenure below — results update instantly.
Set your financing amount and repayment tenure — your monthly instalment updates instantly.
Start your application — takes about 10 minutes.
This calculator is provided for illustrative purposes only, based on an indicative average rate (typically between 5% – 7% per annum depending on project type and risk assessment). Actual repayment amounts depend on the approved financing structure, risk assessment, and terms agreed with Sharakah's credit committee. Figures shown do not constitute a financing offer or commitment.
Complete the form below — it takes around 10 minutes. We'll review your application and contact you within 2 business days.
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📅 Available Sunday – Thursday, 8:00 AM – 4:00 PM (Muscat time). Weekends and public holidays are unavailable.
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Practical advice, market intelligence and success stories from across our portfolio — written to help you build a stronger business.