ICFSME – الشركة العراقية لتمويل المشاريع الصغيرة والمتوسطة

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.

6284+

Loans Disbursed

93M+

Loan Portfolio

6524+

New job opportunities

%23

percentage of women

What can we offer you?

Loan Calculator

الحاسبة

Loan amount: {{Number(treeWidthValue).toLocaleString()}} IQD

Payment period: {{Number(trasportValue).toLocaleString()}} Month

Monthly payment amount {{nominalCost.toLocaleString()}} IQD –

Total amount {{cost.toLocaleString()}} IQD –

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

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.

Transparency

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.

work team

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.

Innovation

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.

latest news

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We can help you answer these questions.

Who is the Iraqi Project Finance Company?

What are the conditions and documents required for a loan applicant?

– The loan applicant must have an existing business for at least one year. – The client must be between 18 and 63 years old. – A government employee guarantor must be provided. – A copy of the borrower's national ID card. – A copy of the borrower's national ID card. – A lease contract for the project. – A salary confirmation addressed to the Iraqi Company for Financing Small and Medium Enterprises, stating the current salary and confirming the applicant's continued service. – A pledge form from the guarantor's department.

What is the maximum loan amount? And what is the repayment period?

The Iraqi Project Finance Company offers flexible loans of up to 25 million dinars for terms ranging from 8 to 36 months. The loan size and term are based on the business owner's need, repayment capacity, loan usage, credit history, and credit committee assessment.

What activities does the company fund?

The company provides financing for all commercial, industrial, service and agricultural activities.

How long does it take to get financing from an Iraqi company?

Customers receive financing within 5 business days of completing all required documents.

What are the loan fees?

A small, relative fee is charged for the application and expenses, payable with your monthly payments. Fees vary from loan to loan, depending on the type, size, and term of the loan. The deducted amount is used to cover administrative and operating expenses.

What are the methods for receiving financing?

-Through the banks specified by the company.

What are the methods of repaying the financing?

- Through the Iraqi company's mobile application and using electronic payment cards. - Through banks designated by the company.

Is the lending process free?

The lending process is free of charge, and the company, its staff and employees do not accept any gifts or the like.

Does the company offer personal financing?

The company provides financing for projects only and does not provide personal financing.

Can I get a loan if there is no branch of the Iraqi company in my governorate?

-There must be a branch in the relevant governorate for the applicant.

How do I apply for a loan?

-Through the company branches, website or phone application.

Is the guarantor entitled to guarantee more than one borrower?

The guarantor has the right to guarantee only one person during the loan period.

Enjoy an easier financing experience with the mobile app.

About us

What can we offer you?

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