Internationalization Financing Scheme
The Internationalization Financing Scheme offers direct and indirect financing solutions to support companies aiming to initiate or expand their operations abroad. Through this program, QDB offers Sharia-compliant direct financing or guarantees to Qatari partner banks and international financial institutions.
1- IFS Direct Financing
Features:
• Offers direct financing to Qatari businesses for international expansion projects.
• Financing up to 70% of the contract value, with a maximum of QAR 100 million.
• Covers project costs such as construction, equipment, initial working capital, and pre-operating expenses.
• Sharia-compliant financing model.
• Repayment is made directly to QDB based on the facility terms.
• Tenor up to 10 years.Benefits:
• Immediate access to funds for overseas expansion.
• Benefits larger projects that can directly manage finances and do not need intermediary banks.
• Helps expand businesses into international markets, potentially increasing Qatar's export capabilitiesEligibility Criteria:
All sectors are eligible (excluding export of HC)
For Qatari Exporters:
• Majority Qatari-owned business (min. 51% ownership)
• Annual operating revenue no less than QAR 10 Mn
• Minimum operating history of 3 years
• Positive operating profits for the last 2 years of operationFor Qatari Overseas Subsidiary:
Overseas Subsidiary with a minimum of 49% Qatar based ownership (minimum ownership requirements may be waived on a case-by-case basis)
2-IFS Indirect Financing
Features:
• Provides a guarantee to Qatari partner banks or international financial institutions to secure financing for Qatari businesses’ international expansion.
• Maximum Financing Allowed by Partner Bank up to 85% of the project cost.
• Offers up to 80% guarantee coverage of the outstanding financed amount (.not exceeding QAR 100M)
• Available in three structures, depending on the financing need:
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o IFS through Qatari Partner Bank to Qatari Parent Company
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o IFS through Qatari Partner Bank Overseas Branch to Overseas Subsidiary
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o IFS through International FI to Overseas Subsidiary
Benefits:
• Provides risk mitigation by securing financing through guarantees.
• Increases export potential and allows businesses to access new international markets. • Supports Qatar’s economic diversification by encouraging global business expansion.Eligibility Criteria:
Most sectors are eligible (excluding export of HC)
For Qatari Partner Banks:
Financial Institutions based out of Qatar operating as going concern licensed by QCB and having existing MoU with QDBFor International Financial Institution:
• Any International FI operating as a going concern and extending export finance facilities to other Financiers and/ or Exporters
• Any International FI that has completed QDB’s Facility Rating Assessment and has been granted a creditworthy status
• FIs cannot present any material KYC concernsFor Qatari Parent Company:
• Majority Qatari-owned business (min. 51% ownership) • Annual operating revenue no less than QAR 10 Mn • Minimum operating history of 3 years • Positive operating profits for the last 2 years of operationFor Qatari Overseas Subsidiary:
Overseas Subsidiary with a minimum of 49% Qatar-based ownership (minimum ownership requirements may be waived on a case-by-case basis) Note: Additional eligibility criteria may be imposed by the Intl. FI in the case of IFS through International FI to Overseas Subsidiary
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