retail enterprises: najahi
grow your business with najahi specialized facilities and customized financing solutions without security.
1. najahi current account
- branded cheque book
- debit card with daily withdrawal limit of OMR 1000
2. najahi flexi loan and credit card
credit facility for business clients, to meet their working capital, business expansion and other needs.
- flexibility & ease in getting finance
- multi draw down credit facility
- first of its kind business credit card with a host of benefits.
- minimum of two years in business – active companies
- minimum one year bank statement - biz cash flow/ receivables in bank account
- positive record & no negative check – cheque returns/ caution list
3. najahi point of sale (POS) receivables financing
a specially designed short term loan facility against POS receivables.
- short tenor
- daily small installment facility
- simple documentation
- active POS transactions of minimum one year
4. najahi contractor’s facility
working capital facility against contracted jobs for business clients.
- contract facility repayment tenor up to maximum one year
- bill discount facility repayment tenor up to maximum six months
- no security required
- contract issued by bank muscat approved list companies
- minimum one year bank statement
- assignment of payments
how do i apply for a najahi product?
- to open an account or to avail trade finance facilities, you can apply at your nearest bank muscat branch to avail of credit facilities, you can apply through a branch or through dedicated najahi centres in select branches
- a relationship manager will be assigned who will further guide you through the process.
how do i get a najahi business debit card?
- the najahi business debit card is only offered to customers having a najahi current account.
- it can be availed by filing a simple form and submitting it at the branch.
- the application can be submitted simultaneously with the application for opening a new najahi current account or converting an existing current account.
what are the features of najahi credit card?
additional benefits offered on najahi business credit card are 0.5% cash back on all purchases made through the card and lounge access at plaza premium lounge in muscat airport (for najahi plus card holders only).