Musanada Programme

SME Fund Financing Under Tamkeen’s Musanada Programme

Access working capital financing through BDB, with support from Tamkeen’s Musanada Programme to help your business manage liquidity, operational expense, and continuity needs.

BDB’s SME Fund Financing under Tamkeen’s Musanada Programme supports eligible micro, small, and medium enterprises with their working capital requirements.

The financing is designed to help businesses meet essential operational expenses, strengthen liquidity, and maintain continuity, with Tamkeen providing 100% profit subsidy for up to the first 12 months.

Applications are open from 13th May 2026 for a period of three months.

Support Designed Around Your Business Needs

Eligible businesses can benefit from a financing solution that supports day-to-day operations while offering greater flexibility during the repayment period.

What Can the Financing be Used For?

The programme is focused on working capital financing and may be used to support key business expenses, including:

• Staff salaries
• Rent and overhead costs
• Inventory purchases
• Supplier payments
• Daily operational expenses

Eligibility Criteria

To be eligible for SME Fund Financing under Tamkeen’s Musanada Programme, businesses must:

• Have an active and operational CR or licence issued prior to March 2026.
• Be classified as micro, small, or medium-sized enterprise according to the Ministry of Industry and Commerce’s SME classification.
• Be able to demonstrate financial and/or operational distress while maintaining a commitment to business continuity.
• Have no violations or blacklist status with Tamkeen.
• Have no active offences with the Labour Market Regulatory Authority (LMRA).

Holding companies, charities, and NGOs are excluded from the programme. Final eligibility remains subject to BDB’s internal credit assessment and approval.

Required Documents

Applicants may be required to provide the following documents during the assessment process:

• Active and operational CR or licence issued prior to March 2026
• CPR or ID of the owner or owners
• Financial statements
• Bank statements for the last six months
• Memorandum and Articles of Association, if applicable
• Details of business expenses, such as rent, payroll, and supplier payments
• Any additional documents requested during the assessment process

How to Apply

Visit the SME Fund Department at BDB’s Main Branch, 8th Floor, Diplomatic Area – or reach by calling or WhatsApp: 17511000 A dedicated SME Fund Relationship Manager will guide you through the process. Applications close on 13th August 2026. Don’t miss the opportunity.

Apply Now!