About us
The Iraqi Finance Company is a company subject to the supervision and oversight of the Central Bank of Iraq in accordance with the license issued to it by the Central Bank under No. (9/3/3359) for the year 2011. The company serves the financing of small and medium projects for the commercial, agricultural, industrial, service and health sectors.
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What can we offer you?
Discover the services we can offer
Loan Calculator
The loan calculator is an approximate guide to the installment only. The results do not constitute final approval of your loan. For specific amounts and interest rates please contact us on 07721600500 or visit the company branch
Shareholder banks
Iraqi Company for Financing Small and Medium Enterprises
Why choose us?
Through our core values that are expressed in everything we do we will ensure that the company remains one of the most successful and respected financial institutions in Iraq.
It is one of the pillars on which the company relies in disclosing the financial position and financial statements that express the real level in comparison to its equivalent in the financial and business market.
We work as a team with a group of employees with scientific specializations in the field of banking and finance, with the possibility of developing technical skills according to the needs and prevailing systems.
Our employees create new products based on modern international concepts and follow safety and security standards to serve our customers and ensure our continued success in providing the best.
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We can help you answer these questions.
(Civil status ID - Iraqi nationality certificate - residence card or confirmation - ration card if available) or national card “photocopy + original” - 2 personal photos.
(Civil status ID - Iraqi nationality certificate - residence card or endorsement - ration card if available) or national card "photocopy + original" - 2 personal photos. Salary endorsement addressed to "Iraqi Project Finance Company" stating the current salary value and confirming his continuity in service, or a recent salary tape (original copy) stating the date of issuance of the tape. Note that the validity of the salary endorsement or salary tape is three months from the date of issuance.
When applying for a loan, the applicant must meet the following conditions: Be at least 18 years old and not more than 65 years old unless exempted by senior management. At least one year has passed since the start of his project. The applicant's project must be located in the governorate in which he is applying for the loan. The applicant must have a strong ability and commitment to repay the loan on time. The applicant must secure sufficient guarantors to cover the repayment of the loan. The project must be legal, however, the business does not have to be licensed or registered.
تقدم الشركة العراقية لتمويل المشاريع قروض مرنة تصل قيمتها الى 25 مليون دينار لمدة تتراوح ما بين ٨ و ٣٦ شهر. يستند حجم القرض ومدته إلى حاجة صاحب العمل والقدرة على السداد واستخدام القرض والتاريخ الائتماني.
A small, relative fee is charged for the application and expenses, which is paid with the monthly payments due. Fees vary from one loan to another depending on the type, size, term and cycle of the loan. The deducted amount is used to cover administrative and operating expenses.
The old guarantor can be replaced by a new guarantor whose repayment capacity is equal to or greater than the old guarantor. The guarantor is changed in the following cases: The guarantor dies - moves from the governorate - becomes unemployed - if the guarantor wants to request a loan or wants to stop guaranteeing the customer for personal reasons.
The guarantor has the right to guarantee only one borrower during the loan period.
Types of loans: Commercial loans Service loans Health loans Industrial loans Agricultural loans
You can visit our offices and apply for the loan. Or you can contact the customer service center on 07721600500 You can also contact us via the Facebook and Instagram pages of the Iraqi Project Finance Company. You can also contact us via our website https://www.icfsme.iq He must be at least 18 years old and not more than 65 years old except with an exception issued by senior management. At least one year has passed since the start of his project. The applicant's project must be located in the governorate in which he is applying for the loan. The applicant must have a strong ability and commitment to repay the loan on time. The applicant must secure sufficient guarantors to cover the repayment of the loan. The project must be legal, however, the business must not be licensed or registered.
The payment process is done on a monthly basis, as a timetable is determined by the Iraqi company, and payment must be made at the banks or outlets specified on the payment vouchers provided by the company.
When the customer has submitted all the loan requirements, and has been visited by the loan officer and then the loan officer supervisor, he will be informed of the result approximately five days after the visit of the company’s employees.
The lending process is free of charge and the company, its staff and employees do not accept any gifts or the like. The guarantor may die - move from the governorate - become unemployed - if the guarantor wants to request a loan or wants to stop sponsoring the customer for personal reasons.
A guarantor who is an employee in any government department and a legal bill of exchange The guarantor dies - moves from the governorate - becomes unemployed - if the guarantor wants to request a loan or wants to stop guaranteeing the customer for personal reasons.