Al Dhameen — Credit Guarantee Program

Al Dhameen is Qatar Development Bank's credit guarantee programme for private-sector companies in Qatar. It sits inside QDB's wider development finance offer and works by backing a portion of commercial bank lending rather than lending cash directly to the applicant. The guarantee covers up to 50% of the financed amount, rising to 70% for lower-ticket facilities, with tenors of up to 15 years and grace periods of up to three years. Applications move through TAMKEEN or a partner financial institution. Eligible applicants are Qatar-based private-sector companies with a valid commercial licence, while joint stock and public holding companies are excluded; construction contracting is also excluded. The programme is strongest for firms that can show a viable bankable project but do not have enough collateral to satisfy a lender on their own. It supports manufacturing, logistics, tourism, IT, education, food and agriculture, healthcare, and green technology, so the clearest applications are those with a practical project, a repayment path, and a use of proceeds that fits one of those sectors.

Each grant below is a distinct funding opportunity with its own eligibility, scope, and deliverables.