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Qatar National Bank (QNB) offers you a broad range of financing solutions to supply the right fit for any business. Apply today!

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  • Turnover facility

    24 Hour decision time Turnover facility:

    Turnover Facility supports companies based on the annual bank account turnover that 'bank' with any bank in Qatar. All sectors of SME are eligible.Successful facility applications will benefit from an overdraft facility within 24 hours.

    Financing solutions are available at competitive ratesand with fast approval.

    Requirements
    • Simple agreement (to be evaluated & if feasible provided in due course) Standard QNB agreement in the meantime.
    • Full audited report for the last year or in house management account, if audited financials are not available.
    • Personal Guarantee of Qatari partners and or Corporate Guarantee from the Qatari partner in case the owner is a company.
    • Personal Guarantee of the foreign partners
    *Some additional information may be requested later.

    Download Brochure
  • Professional Sector Facility

    Professional Sectors Facility 24 Hour decision is addressing the needs of professional service companies (Engineering, Medical, Legal Offices, Financial Advisory and Account Audit Offices).

    Successful facility applications will benefit from an overdraft facility within 24 hours.

    Eligibility:The above mentioned sectors of activity who are:- Qatari Nationality entities- Qatari owner(s) has minimum monthly income of QAR 50KFinancing solutions are available at competitive ratesand with fast approval.

    Requirements
    • Proof of regular personal income other than that received from the borrowing entity.
    • Full audited report for the last year or in house management account, if audited financials are not available.
    • Total personal commitments with other banks should not exceed 25% of the monthly income.
    • Providing a valid Commercial
    • Registration or License or applicable document establishing the borrower as a separate legal entity (and not an/ individual).
    • Salary certificate (min monthly Qar 50K) of the Qatari owner
    *Some additional information may be requested later.

    Download Brochure
  • Manufacturing products

    QNB tailored products for SMEs Manufacturing Sector A complete package of products and services are available to “Manufacturing customers” for any number or combination of the following products:

    Equipment Finance: in order to equip your factory, office or fund any other equipment or asset that is related to, or supports production. Infrastructure Loan: for financing the construction of a new manufacturing plant, offices, warehouses or renovation of existing ones to finance the purchase and acquisition the assets of an existing manufacturing plant.

    Vehicle loan and Vehicle lease: to offer staff vehicles for business use and cater for the transportation needs of raw material and finished products

    Working Capital Finance: in order to finance the daily operations we offer short-term loans or an overdraft to pay for consumables, rent, salaries and general operating costs.

    Raw Material Finance: to finance your raw material purchases irrespective of if they are from the local or international market.

    SMEs Credit Card: to have a better management of your cash flow

    Requirements
    • Company Profile
    • Copy of recent and valid commercial registration
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • Full Audited reports of 3 last years .
    • Last 6 months Non-QNB account statements (if any).
    • Valid Quotation for Vehicle loan/lease
    * Some additional information may be requested later.

    Download Brochure
  • Education products

    QNB tailored products for SMEs Educational Sector:

    • Educational Equipment Finance: in order to equip your institution with the necessary equipment such as desks, PCs, Library, books gym and auditorium equipment.
    • Educational Premises Finance: for financing the construction of facilities in which educational activities are conducted or renovation of existing ones to set up any educational establishment to finance the acquisition of assets of an existing educational institution.
    • Vehicle loan and Vehicle Lease: to offer staff vehicles for business use and purchasinga fleet for students' transport.
    • Working Capital Finance: in order to finance the daily operations we offer short-term loans or an overdraft to pay for consumables, rent, salaries and general costs.
    • SMEs Credit card: to have a better management of your cash flow.

    * All Kindergarten, day care centres, centres for after school activities, private schools are eligible insitutions.

    Requirements

    • Company Profile
    • Copy of recent and valid commercial registration/or AOA (Article of Association)
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • Full Audited reports of 3 last years.
    • Last 6 months Non-QNB account statements (if any).
    • Valid Quotation for Vehicle loan/lease

    * Some additional information may be requested later.

    Download Brochure
  • Health products

    QNB tailored products for SMEs Health Care Sector

    A complete package of products and services are available to “Health Care customers” for any number or combination of the following products:

    • Medical Equipment Finance: In order to equip your clinic, hospital or other medical establishment
    • Medical Facility Loan: for financing the construction of new premises or renovation of existing ones to set up any medical establishment to finance the acquisition of assets from an existing business.
    • Vehicle loan & vehicle lease: to offer medical staff vehicles for business use and patient related vehicles ( such as ambulances, vehicles for transporting people with disabilities)
    • Working Capital Finance: In order to finance the daily operations, we offer short-term loans or an overdraft to pay medical supplies and other consumables, rent, salaries and general costs.
    • SMEs Credit Card: to have better management of your cash flow

    *All clinics, nursing homes, diagnostic centers, laboratories serving clinics and hospitals, fertility centers, rehabilitation & physiotherapy centers are eligible institution.

    Requirements

    • Company Profile
    • Copy of recent and valid commercial registration
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • Full Audited reports of 3 last years.
    • Last 6 months Non-QNB account statements (if any).
    • Valid Quotation for Vehicle loan/lease

    * Some additional information may be requested later.

    Download Brochure
  • Tourism products

    QNB tailored products for SMEs Tourism Sector:

    A complete package of products and services are available to “Tourism customers” for any number or combination of the following products:

    • Asset Finance: in order to equip your office, restaurant or hotel
    • Tourism Premises Finance: for financing the construction of new hotels, restaurant offices or renovation of existing ones to finance the purchase and acquisition of the assets of an existing business.
    • Vehicle Loan and Vehicle Lease: to offer staff vehicles for business use and the required fleet for guest transport.
    • Working Capital Finance: in order to finance the daily operations we offer short term loans or an overdraft to pay for food and beverages and other consumables, rent and salaries and general operating costs.
    • SMEs Credit Card: to have better management of your cash flow

    Requirements

    • Company Profile
    • Copy of recent and valid commercial registration
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • Full Audited reports of 3 last years.
    • Last 6 months Non-QNB account statements (if any).
    • Valid Quotation for Vehicle loan/lease

    * Some additional information may be requested later.

    Download Brochure
  • Term Loans

    Financing solutions are available for every type of need (purchase of land premises, plant construction/ refurbishment and equipment purchases) at competitive rates and with fast approval.


    Term Loan facility Financing solutions are available for every type of need (purchase of land premises, plant construction / refurbishment and equipment purchases) at competitive rates and with fast approval.


    Al-Dhameen Loan : If you are a start-up or existing small business with less than 3 years and lacks collateral to obtain access to funds. The Guarantee Program is our way of assisting start ups and companies existing less than 3 years, with lack of collateral to obtain access to funds for establishment or growth their businesses.


    Any Qatari project - small and medium enterprises or joint ventures (including foreign investors) whose annual turnover does not exceed 30 million QR can apply for the guarantee program. If the customer has more than one project (maximum two), two separate letters of guarantee can be issued provided that the total value of issued guarantees will not exceed 20 million QR.

    Requirements

    • Company Profile
    • Copy of recent and valid commercial registration
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • Full Audited reports of 3 last years.
    • Last 6 months Non-QNB account statements (if any).
    • Feasibility study for Al-Dhameen financing

    * Some additional information may be requested later.

  • Trade Finance

    QNB is commited to supporting Businesses in Qatar and can assist with all international trade needs. QNB Portal is a uniquely integrated eBusiness Solution offering importers and exporters a fully-featured console to seamlessly connect to QNB and complete your international trade transactions:

    • Import and Export Letters of Credit
    • Issued and received Stand-by Letters of Credit
    • Import and Export Documentary Collections
    • Banker’s Guarantees
    • Shipping Guarantees
    • Financing Requests including Trust Receipts
    • Document Preparation and Electronic Presentation

    Requirements

    • Company Profile
    • Copy of recent and valid commercial registration
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • Full Audited reports of 3 last years.
    • Last 6 months Non-QNB account statements (if any).

    * Some additional information may be requested later.

  • Vehicle Loans And Vehicle Lease

    Vehicle loan and vehicle lease: With QNB's Business Banking Vehicle product, you can buy the car or truck of your choice for much less than you would expect. You can aslo lease your car or truck from 1 to 4 years with an option to either keep it or return it. Plus, your monthly payment already includes comprehensive insurance and factory maintenance for the full term.

    • Up to40% Lower monthly payments compared to a conventional rental or loan.
    • Full comprehensive insurance with agency repairs during full lease period.
    • 100% Financing
    • Hassle free replacement, no need to worry about selling your car or settling a loan.
    • No management fee

    Requirements

    • Company Profile
    • Copy of recent and valid commercial registration
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • Full Audited reports of 3 last years.
    • Valid Quotation
    • Last 6 months Non-QNB account statements (if any).

    * Some additional information may be requested later.

    Download Brochure
  • Equipment Finance

    With the QNB Equipment Finance Program for JCB machinery you can now source quality equipment at a competitive cost. QNB and Mannai have pioneered this program for you to benefit from the comprehensive QNB and dealer support.We are partnering with equipment suppliers to ensure you can access the latest technology at a competitive financing cost. We will also ensure a quick turnaround time for your loan application.

    • Financing is available from 1 to 3 years (exceptionnally 4 years for complex projects)
    • Deposit on equipment ranging from 16% to 20%
    • Grace Period of up to 3 months
    • Monthly installments
    • Completive service package on offer from Mannai.

    Requirements

    • Company Profile
    • Copy of recent and valid commercial registration
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • Full Audited reports of 3 last years.
    • Last 6 months Non-QNB account statements (if any).
    * Some additional information may be requested later.

    Download Brochure
  • Working Capital Line of Credit

    We understand the needs of dynamic businesses which is why we offer refinancing options at preferred rates.

    Document Credit Facility

    Manage your cash flow while you expand, develop or restructure your business. We give you a decision fast, on a case-by-case basis.The facility is offered to companies that have been operating for more than one year, companies that “bank” with any bank in Qatar are also eligible to apply*DCF (Document Credit Facility)

    Working Capital Line of Credit: Manage your cash flow while you expand, develop or restructure your business. We give you a decision fast, on a case-by-case basis.The facility is offered to companies that have been operating for more than one year, companies that “bank” with any bank in Qatar are also eligible to apply.

    Requirements

    • Company Profile
    • Copy of recent and valid commercial registration
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • Full Audited reports of 3 last years.
    • Last 6 months Non-QNB account statements (if any).
    * Some additional information may be requested later.

  • Our other convenient services

    Internet Banking: Pay utility bills online. Enjoy the convenience of paying utility bills online with our internet banking service eBusiness. This product is an excellent way to manage your transactions quickly and securely.

    • Account Balance
    • Account Statements
    • Statement Download
    • Beneficiary Management
    • Domestic Fund Transfer
    • Bulk and Salary File Upload and Transfer
    • International Fund Transfer
    • Account Management (i.e. account balance sweeping) With regards to your company’s.

    Business Cheque Book: Your company cheque book/s are provided when you open your business account. What’s more, our cheque book re-ordering service is quick and easy.

    Download Brochure
  • Credit & debit Cards

    Credit card: Convenient and easy way to control and manage your day-to-day business expenses.

    • Easy access to a revolving Line of Credit to meet your company's working capital and cash flow needs
    • No annual fee in the first year and beyond*
    • Attractive interest rate of only 1% monthly (12% annualised)
    • Cash-flow support with up to 55 days interest-free credit period for all your purchases
    • Instalment Payment Plan facility with 0% Interest at key merchants in Qatar*
    • Dedicated Customer support for any type of inquiry

    Card Acquiring: By accepting credit and ATM/debit cards you can increase sales, reduce losses, expand your customer base, and handle transactions faster along with greater efficiency. All of which can result in increased cash flow. Our rates for handling credit and debit card transactions are affordable and competitive.

    * Terms & Conditions Apply

    Requirements

    • Company Profile
    • Copy of recent and valid commercial registration
    • Copy of valid licence issued by the Municipality
    • ID/CR copies of partners/owners and authorized signatories ( If the borrower is owned by another company the CR of that company)
    • ID of the cardholder
    * Some additional information may be requested later.

    Download Brochure

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