Business Finance Solutions

Fuel Your Company's Growth

Apply for Loan Apply for POS Finance Request a Call / Meeting

Aljazira offers suitable tailored finance solutions and options that aim to help your business grow efficiently, support you in adapting to changing market conditions, making effective business decisions, and taking advantage of new business opportunities through fully Shariah-compliant products and services designed to meet your business needs and achieve sustainable growth.


Secure Lending

Issuing Letters of Guarantee and Letters of Credit backed by trust.

Features

  • Issuance of Letter of Guarantees and Letter of Credits that are cash backed by 100% cash margin free of fees.

Terms

  • Corporate & Micro, Small & Medium Enterprises
  • The interest rate is determined based on pricing approved by the Credit Committee.

Applications

  • Issuance of 100% Cash Margin Letter of Credit
  • Issuance of 100% Cash Margin Letter of Guarantee

Apply & Contact

Post Shipment Financing

Features

  • Access working capital before issuing bank pays the beneficiary upon presentation of credit complied documents at maturity under Letter of Credit terms. 
  • Maximum financing period of 12 months.
  • Islamic Financing “Tawarruq”.
  • Fast turnaround (within one day).
  • Competitive profit margin.

Terms

  • Corporate & Micro, Small & Medium Enterprises
  • All local exporting companies
  • AlJazira clients maintaining current accounts
  • Receipt of authenticated acceptance from the LC issuing bank to pay on the due date.
  • The waiver of credit dues in favor of AlJazira Bank by the customer
  • Clean credit history

Contact

POS Financing

Leverage your POS machine’s cash flow for business growth.

Features

  • Financing period up to 36 months
  • Facilities up to 10 million
  • Convenient monthly installments
  • Competitive profit rates

  • Micro, Small & Medium Enterprises
  • Years of business should not be less than 2 years.
  • Financing applicants must have a proven history of active POS service from Aljazira Bank or any other bank for a period of not less than 12 months, with total cash flow of not less than 500,000
  • Clean Simah Reports on entity and owners
  • POS Merchant service during financing must be exclusively with Aljazira Bank

Contact

Dentists & Dental Clinics Financing

Tailored for dentists who envision establishing private practices

Features

  • Financing period of up to 60 months.
  • Maximum financing period of 12 months.
  • Financing facilities up to 4 million in form of STL & MTL.

Additional Features

  • Cash Management Solutions
    • POS Devices
    • Digital Channels
  • Insurance Products
    • Medical Insurance
    • Medical Malpractice Insurance
    • Properties Insurance

  • Dentists & dental clinics (MSME)
  • Valid Commercial Registration
  • Minimum 3 years of experience
  • Article of Association (if any)
  • Acceptable Simah Report
  • MOH initial approval to establish dental clinics
  • Valid classification from Saudi Commission for Health Specialties
  • Business plan / Feasibility study and Financial projection
  • Any other requirements the Bank may request
  • The interest rate is determined based on the pricing set by the credit committee according to the requirements.
  • The insurance products are offered by AlJazira Takaful Cooperative Company and are subject to the terms and conditions of the company and the product.
  • The insurance products are offered to AlJazira Bank customers, through its digital and non-digital channels, in accordance with the approval of the Saudi Central Bank on the Bank Insurance business agreement concluded between AlJazira Bank and AlJazira Takaful Cooperative Company.

Contact

Export Letter of Credit Re-Financing

Accelerate your export proceeds with early payment under LCs.

Features

  • Financing maximum duration of 12 months: Providing flexibility to manage export operations effectively.
  • Immediate payments: Receive funds quickly under letters of credit, improving cash flow and allowing reinvestment sooner.
  • Increased bargaining power: Enjoy greater leverage in negotiations with buyers to secure favored pricing and better terms.
  • Risk management: The Bank handles risks associated with LC issuing banks, providing peace of mind in international trade.
  • Collaborative financing: Work with financial institutions to access more competitive financing options.

Terms

  • Corporate & Micro, Small & Medium Enterprises
  • Valid for local exporters looking to optimize trade financing
  • Sellers / Exporters must maintain current accounts with AlJazira Bank
  • A clean credit history is required
  • Receipt of authenticated acceptance from the LC issuing bank to pay on the due date

Contact

Payroll Financing

Ensuring seamless salary payments to employees.

Features

  • Flexible repayment tenor
  • Facilities up to 5,000,000
  • Convenient monthly installments
  • Competitive profit rates
  • Revolving & non revolving finance
  • Terms & Conditions applied

  • Micro, Small & Medium Enterprises

Contact

Direct Finance to Purchase Goods, Commodities and Raw Materials

Fueling trade, production, and expansion for growing businesses.

Features

Enables enterprises in their various activities to purchase the goods from local or international suppliers, in order to: 

  • Resell them in the local market
  • Supply them to their customers in the Kingdom
  • Export them to their customers abroad
  • Use them in manufacturing new products

The finance can be through direct purchase from suppliers or by letters of credit

Terms

  • Corporate & Micro, Small & Medium Enterprises

Contact

Finance of Projects’ / Contracts’ Extracts

Supporting contractors and suppliers with pre-receivable financing.

Features

  • Enables contracting and supply enterprises to finance part of the extracts of the work carried out in the contracts before receiving it from the awarding body

Terms

  • Corporate & Micro, Small & Medium Enterprises

Contact

Letters of Credit/Refinance

Features 

  • Enables enterprises to import commodities and goods from local and international suppliers, whether to be used in manufacturing or for commercial purposes
  • Provides the customer and the supplier with comfort and peace-of-mind
  • Reducing trade-related risks
  • Ensuring that the payment will not be carried out until the related documents are received and verified to be compatible with the required conditions

Terms

  • Corporate & Micro, Small & Medium Enterprises

Contact

Letters of Guarantee

Empowering businesses to meet every contractual commitment.

Features

  • Cover the letters of guarantee for the projects’ awarding bodies, for the purpose of engaging in tendering (Bid bonds)
  • Start the implementation of the agreed business (Advance Payment bonds)
  • Ensure the proper implementation of the projects (Performance bonds)
  • Clear the imported goods from the port (Shipping Guarantee)
  • Contractual obligations (Financial Guarantee)

Terms

  • Corporate & Micro, Small & Medium Enterprises

Contact

Short-Term Loans

Quick financial solutions to meet working capital needs.

Features

  • Enables enterprises to support its capital, in order to develop its business through soft loans whose term does not exceed one year
  • Various finance forms that suit the needs of enterprises of various types

Terms

  • Corporate & Micro, Small & Medium Enterprises

Contact

Finance Capital Expenditures (Long-Term)

Invest in your business infrastructure and growth.

Features

  • Enables enterprises to expand their capital through the development and updates of fixed assets
  • Giving them the ability to maintain the working capital to meet more of their needs

Terms

  • Corporate, Micro, Small & Medium Enterprises

Contact

Syndication Finance

Features

  • Innovative & competitive Islamic products and services to suite the business requirements of your projects / initiatives
  • Aljazira Bank is a very active player in syndication and project finance market with strong relationships with regional and international Islamic banks
  • Aljazira Bank is able to originate, structure and manage transactions, working with the clients constructively and innovatively, in developing Shariah-compliant financial products that are specifically tailored to address client-focused initiatives
  • Aljazira Bank is recognized by Euromoney award for the "Islamic Project Finance of the Year"; a hallmark for its endeavors in structuring and providing Shariah-compliant syndicated lending solutions
  • Aljazira Bank is playing various Agency roles successfully in strategic project financing transactions in the region supported by its vast professional experience

Terms

  • Corporate Enterprises

Contact

Call Us
Personal
800-244-9999
Business
800-244-9090
Available 24/7
Office Hours: Visit our Branches
Sunday - Thursday
9:30 AM - 4:30 PM
Saturday
9:30 AM - 4:30 PM
Friday
Closed
Check Your Complaint Progress
Click Here!
If you would like to escalate the complaint, please send us an email to the email address below and provide us with the complaint number. Escalate.Complaint@aljazirabank.com.sa
In the event that the complaint concerns fraud or requires suspending a card or account, you must contact the banking phone or use the instant chat 8002440404
Download Mobile Applications
QRCode
BusinessQRCode
Business Requests
Business Loan Request POS Finance Request Open Business Account

{{ item.Title }}
⌄
{{ item.Note }}