Financing & Banking Facilities

Overview

Financial liquidity and the diversification of funding sources are the primary engines driving expansion projects and ensuring operational stability for enterprises. At City Squares, we act as a strategic link connecting your establishment with banks, accredited development funds, and financing institutions across the Kingdom. We help you pinpoint your exact financing requirements, structure bankable credit dossiers, and select the most suitable credit facilities for your business—securing necessary liquidity under optimal terms and competitive profit or interest rates.

Comprehensive Service Package for Financing & Credit Facilities

We cover all financing and credit solutions that fulfill the operational and investment needs of enterprises, including:

  • Operational Facilities & Working Capital Financing: Securing credit lines, Letters of Credit (LCs), and Letters of Guarantee (LGs) to ensure smooth operations and uninterrupted flow of goods.

  • Capital & Expansion Financing: Qualifying businesses for short-term and long-term loans to fund fixed assets, production lines, and mega investment projects.

  • Government Development Fund Qualification: Preparing and packaging application files for government funds (such as the Saudi Industrial Development Fund, Social Development Bank, and Saudi EXIM Bank).

  • Debt Restructuring & Liability Management: Restructuring and rescheduling existing facilities to alleviate financial burdens and improve corporate cash flow.

  • Credit File & Financial Dossier Preparation: Preparing and evaluating financial statements and credit analyses in accordance with the standards required by financial institutions.

Financing & Credit Facilities Stages (The Journey of Readiness & Approval)

To maximize application approval rates and obtain optimal credit terms, we adopt a methodical roadmap:

Stage Stage Name Procedure & Step Details What Sahat Al Modon Team Provides
01 Needs Diagnosis & Readiness Evaluation Analyzing the entity’s financial position, determining creditworthiness, and identifying required financing volume. Auditing financial statements, calculating debt service capacity, and selecting the most appropriate financing product.
02 Credit File & Dossier Preparation Structuring financial feasibility studies, projected budgets, and certified company profiles. Assembling financial and credit documentation packages meeting bank committee standards.
03 Selecting Financing Partner & Submission Submitting applications to banks, funds, and financing companies best suited to the business activity. Presenting the dossier to financing entities and addressing technical and credit inquiries.
04 Negotiation & Terms Structuring Reviewing facility conditions, Murabaha/interest rates, grace periods, and repayment schedules. Negotiating with funding institutions to secure the most favorable and flexible terms for the client.
05 Approval, Disbursement & Facility Activation Completing signatures, required collateral, and fund disbursement or credit line activation. Assisting in collateral and mortgage procedures until funds are received and officially activated.

Financing & Banking Facilities | Securing Liquidity and Structured Financing for Business Growth