we offer working capital facilities in the form of:

• Overdrafts in Omani rials, on a revolving basis, for a defined period of time to help businesses finance the day-to-day operations.
• Short terms loan (STL) granted for periods ranging in duration from a week to a maximum of one year.
• Advance against trust receipt (LTR) are given to pay for import of goods, which are released to the borrower against a written undertaking (trust receipt) to hold the goods in trust for the bank and to use the proceeds from the sales of the goods to repay the loan.
• Advance against receivables {ADV (O)} the bank gives ADV (O) to the borrowers against monies due to and receivable by the borrower from a third party, at a future date.
• Bill discounting an advance made by the Bank to the borrower against an accepted local bill of exchange due to a future date.
• Letter of credit (LC) document issued by the bank at the request of a client, who wishes to import or purchase goods.
• Guarantees performance bond guarantee, tender bond/bid bond, advanced payment guarantee, payment guarantee and financial guarantee.

With bill discounting, the bank can turn a large percentage of credit sales into immediate cash on a confidential basis.

Bank Muscat advances a sum of money (against a promissory note signed by the customer) for a pre-agreed tenor, against money receivable by the customer at a later date on account of business transactions.

Term loans are offered in rial Omani and other major foreign currencies for capital asset acquisitions, long term working capital or any other stated purchase - in either fixed or floating interest basis

Bank Muscat utilizes its domination in contract financing for most projects in the country by tracking upcoming projects and financing them. The bank also provides a non-revolving facility for a specifically stated commercial transaction or a contracting operation based on merits of the underlying project or commercial transaction.

• Purchase and development of properties ranging from residential, commercial and agricultural land
• Flexible solutions to individual owners, investors and corporates, from a range of industry sectors for expansion, development or accommodation
• Tailored solutions with options ranging from varying repayment schedules, disbursements, prepayment and moratorium period options to suit cash flows

Bant Muscat provides asset-based loans to the tune of 250,000 Omani rials and above to meet a variety of requirements - acquisitions, expansions, turnarounds and debt restructurings, to mention a few

Bank Muscat international operations consists of a branch each in Riyadh (Kingdom of Saudi Arabia), Kuwait and representative office in Dubai (UAE) and Singapore.

• Project evaluation
• Debt structuring
• Arranging and underwriting debt capital for long term projects (done on a limited or non-recourse basis)

The bank provides working capital facilities for post commercial operation.

• Value to projects in the form of long- term project financing underwritten at a senior capacity
• Extensive relationships with all major banks active in Omani project financing
• Agency services such as facility agent, account bank and security agent on behalf of the lenders

The range of products and services offered to meet the institutional and personal banking requirements are structured upon request.

Bank Muscat’s strong network presence helps offer convenient banking services to government offices wherever they are located.​