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Corporate Finance · Term Loans

Finance structured
for scale.

Corporate term finance for capacity expansion, capital projects and strategic growth — structured around your business, with a dedicated Relationship Manager from first meeting to disbursement.

Hero Image
Corporate · Boardroom / Skyline
2M+
Finance amount (OMR)
84mo
Maximum tenure
Dedicated
Relationship Manager
Structured
Around your business
Your Relationship Manager UX Note
No EMI Calculator Here
Corporate term loans are bespoke — amount, tenure and rate are negotiated, not self-served. A calculator would be misleading and could undermine confidence. The RM card replaces it: the "product" at this level is the relationship.
Psychology: Showing a human face reduces perceived risk for high-value decisions (social proof + authority cues).
A dedicated advisor, from first call to final drawdown.

Your Relationship Manager understands your industry, your financials, and your growth plans. They guide the structure, manage the process, and remain your single point of contact throughout the facility lifecycle.

Response within one business day
Initial credit assessment typically completed within 48 hours of a complete submission.
Industry-experienced advisors
Your RM has hands-on experience across Oman's key sectors — contracting, trading, manufacturing, logistics and services.
Flexible facility structuring
Amount, tenure, repayment schedule and security are tailored to your cashflow and business cycle.
Your Relationship Manager
Corporate Finance Team
United Finance Company · Muscat
Response time
1 Business Day
Assessment
Within 48 hrs
Facilities up to
OMR 2M+
Sectors covered
All Oman sectors
WhatsApp · 9266 7773
Confidential. No obligation. Your details are not shared without your consent.
What it funds
Built for corporate-scale decisions.

Corporate term finance is structured around a specific capital need. These are the most common uses — though your RM will tailor the facility to your actual objective.

UX Note
Use Cases vs Features
SME pages lead with product features. Corporate users think in use cases — "can UFC fund my Muscat warehouse expansion?" Framing by use case reduces cognitive effort and speaks to real decision contexts.
Heuristic: Match the user's mental model, not the product taxonomy.
Capacity Expansion
Finance new production lines, plant modernisation, or facility upgrades — with repayments aligned to your projected output growth.
Manufacturing · Industrial
Warehouse & Infrastructure
Acquire or build logistics facilities, warehouses, or operational infrastructure — structured over longer tenures to match asset life.
Logistics · Real Assets
Refinancing Obligations
Consolidate existing facilities or refinance short-term liabilities into a structured medium-term loan — improving cashflow visibility.
Restructuring · Treasury
Strategic Acquisitions
Finance the acquisition of a business, brand, or strategic asset — with repayment terms designed around post-merger cashflow projections.
M&A · Growth
Business Diversification
Fund entry into a new business line or geographic expansion — structured to isolate risk and match projected revenue timelines.
Strategy · Expansion
Contract Mobilisation
Bridge the gap between contract award and first payment — finance initial mobilisation, equipment and staff deployment for large contracts.
Contracting · Government
Product Details
Key terms at a glance.

Indicative parameters — your RM will confirm the exact structure based on your business profile and facility size.

UX Note
Indicative, not fixed
Corporate terms are always negotiated. Showing "OMR 2M+" instead of a hard ceiling signals scale without boxing the RM in. The sub-copy reinforces this is a starting point, not a product spec sheet.
Finance Amount
OMR 500,000 and above
Tenure
Up to 84 months (7 years)
Rate
Competitive — structured at application
Repayment
Scheduled instalments — tailored to cashflow
Security
Subject to credit assessment and facility size
Early Settlement
Available — terms apply
Drawdown
Single or phased — per project structure
Relationship Manager
Dedicated — from first meeting to drawdown
Who Can Apply
Omani registered corporates
SAOGs, LLCs and joint ventures registered in the Sultanate
Group and holding companies
Multi-entity structures with consolidated financials
All major sectors
Trading, contracting, manufacturing, logistics, services
PDO, Aramco & government contractors
Established suppliers on approved government programmes
All applicants subject to BCSB credit check and UFC credit approval process. Final terms confirmed by your Relationship Manager following credit assessment.
What to prepare
Documents required

Your Relationship Manager will guide you through the full checklist based on your facility size and business structure. These are the core documents to have ready.

01
Commercial Registration (CR) & Memorandum of Association
Valid CR and MoA reflecting current ownership and business activity. For group structures, individual CRs for all entities in the application.
Corporate
02
Authorised Signatories & Board Resolution
IDs of all directors and authorised signatories, plus a board resolution authorising the application. Original and attested copies required.
Governance
03
Audited Financial Statements
Last 3 years of audited accounts, signed by a licensed Omani auditor. Includes balance sheet, P&L and cash flow statements. Consolidated accounts for group entities.
Financials
04
Business Bank Statements
Last 12 months of business account statements from all operating banks. Demonstrates trading volume, receivables cycle, and existing debt obligations.
Banking
05
Business Plan or Project Brief
For expansion or project-linked facilities — a summary of the intended use, projected revenue impact, and repayment source. Your RM will help you prepare this if needed.
Project
Your Relationship Manager will confirm the full checklist at your first meeting. Additional documents may be required based on facility size and structure.
The process
Four steps to your facility.

Corporate facilities are assessed and structured with your RM — not processed online. Here is what to expect from first contact to drawdown.

UX Note
4 Steps vs SME's 3
An extra step ("RM Consultation" before document submission) is added. This sets accurate expectations — corporate clients should not expect a 24hr digital decision. Transparency here builds trust, not anxiety.
Heuristic: Visibility of system status. Users need to know what the process looks like before committing.
1
Initial Enquiry
Call, WhatsApp or submit a callback request. Your RM responds within one business day.
2
RM Consultation
Your RM discusses your business needs, facility structure and the documents required for your specific case.
3
Submit & Assess
Submit your documents. Credit assessment is typically completed within 48 hours of a complete submission.
4
Approval & Drawdown
On approval, facility documents are signed and funds disbursed directly to your business account per the agreed schedule.

Subject to UFC's credit approval process and Central Bank of Oman regulations. Additional checks and conditions may apply.

Common questions
Frequently asked questions
What is the minimum and maximum amount UFC provides for corporate term loans?

Corporate term loans typically start from OMR 500,000, with no hard upper ceiling — larger facilities are assessed on a case-by-case basis. The approved amount depends on your business financials, existing obligations, and the purpose of the facility. Your Relationship Manager will advise during the initial consultation.

How long does corporate credit assessment take?

Credit assessment is typically completed within 48 hours of a complete document submission. Having your audited financials, bank statements and board resolution ready before submission significantly reduces turnaround time. Your RM will keep you updated throughout the process.

Can repayment be structured around our business cashflow cycle?

Yes. Repayment schedules for corporate facilities are structured collaboratively — your RM takes your seasonal revenue patterns, receivables cycle, and existing obligations into account when designing the repayment structure. Balloon payments and grace periods may also be considered.

Does UFC finance group or holding company structures?

Yes. UFC works with multi-entity group structures. Assessment is typically done on consolidated financials, and the facility may be structured at the holding level or individual subsidiary level depending on the purpose. Your RM will advise on the optimal structure.

What other corporate finance products does UFC offer?

UFC's corporate suite includes Project Finance, Trade Finance, Fleet Finance, Heavy Vehicle Finance, Vessel Finance, Equipment Finance, and a full range of Working Capital solutions including Bills Discounting, Debt Factoring, and Bank Guarantees. Your RM can recommend the right combination for your business needs.

Ready to proceed?
Let's structure
your facility.
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