Project Financing
Empowering businesses and entrepreneurs with flexible financing solutions to drive growth, innovation, and economic prosperity across Iraq.
Fueling Iraq’s Economic Future
We assist in developing projects and increasing their productivity in pursuit of economic growth and reducing unemployment across Iraq.
Hisab Bank offers flexible, Sharia‑compliant project financing solutions designed to support businesses of all sizes – from startups to established enterprises. Our financing products are tailored to meet the unique needs of each project, ensuring sustainable growth and long‑term success.
Empowering Your Business Growth
Discover the exclusive advantages we offer to support your business through our flexible financing solutions.
SME Financing
Supporting Iraq’s Business Backbone
Our SME Finance program is designed to support small and medium enterprises across various sectors, providing the capital needed to grow and thrive.
- Funding up to a maximum of 50 million IQD
- Financing within Islamic financing formats
- Repayment periods of up to 36 months
- Payments are made directly to the supplier
Terms & Conditions
Documents
- National ID – Citizenship Certificate – Food Ration Card
- Modern Residence Endorsement or Housing Card
- Unified ID – Copy of passport if available
- Lease contract of the shop
- Feasibility study by a certified accountant
- Official license for the project
Benefits
- Support for various sectors: Agriculture, Industry, Trade
- Healthcare, Education, Tourism
Conditions & Guarantees
- Providing an acceptable property guarantee
- Providing guarantors whose salaries are domiciled with the bank
- Fees for real estate inspection
- Promissory note issued by our bank
Youth Entrepreneurship
Empowering Iraq’s Future Leaders
One of Hisab Bank’s key initiatives to support youth in Iraq, empowering them in society, providing self‑employment opportunities that promote commercial activity and investment to reduce unemployment and enhance welfare, with easy terms, flexible repayment periods, and suitable returns.
- Financing up to 25,000,000 IQD
- The return of profit is calculated at a competitive rate
Terms & Conditions
Documents
- Submission of legal approvals
- Official documents
- Economic feasibility studies for the project to be financed
Financing Field
- Support for Existing Small and Medium Enterprises
- Contribute to Building and Financing New Projects
Conditions
- The age of the finance applicant is between 20 and 35 years old
- The purpose of the funding does not contradict with the provisions of Islamic Sharia
- Providing guarantors whose salaries are domiciled with the bank
- The maximum term for financing is five years
- Providing an acceptable property guarantee
Why Choose Hisab Bank for Financing
Our project financing solutions are designed with your success in mind.
Sharia Compliant
All financing products adhere strictly to Islamic principles, ensuring ethical and fair practices.
Quick Processing
Streamlined application and approval process to get your funding faster.
Flexible Terms
Customized repayment plans tailored to your project’s cash flow and needs.
Growth Support
Beyond funding, we provide guidance and support to help your business succeed.
Financing Across Industries
Our project financing solutions are available across a wide range of sectors, driving economic growth and innovation.
Agriculture
Supporting farmers and agribusinesses with financing for equipment, land, and operations.
Industry
Financing for manufacturing, production, and industrial development projects.
Trade & Commerce
Supporting retailers, wholesalers, and trading businesses with flexible financing.
Healthcare
Financing for clinics, hospitals, and healthcare service providers.
Education
Supporting schools, training centers, and educational institutions.
Tourism & Hospitality
Financing for hotels, restaurants, and tourism‑related businesses.
Project Financing FAQs
Quick answers to the most common questions about our project financing solutions.
What is the maximum financing amount available?
For SME financing, we offer up to 50 million IQD. For youth entrepreneurship, up to 25 million IQD is available.
What is the repayment period?
SME financing offers repayment periods of up to 36 months. Youth entrepreneurship financing offers up to 5 years.
Is the financing Sharia‑compliant?
Yes. All our financing products are structured in accordance with Islamic principles and approved by our Sharia Supervisory Board.
What documents do I need to apply?
You will need your National ID, Residence Card, Passport, lease contract, feasibility study, and official project license.
Who is eligible for youth entrepreneurship financing?
Applicants aged 20‑35 years with a viable business proposal that aligns with Sharia principles.
How do I apply?
Visit any of our branches or contact our team to begin the application process.
Ready to Fund Your Project?
Contact our team today to learn more about our project financing solutions and how we can help you grow your business.
Get in Touch