• A single SME can obtain more than one financing through Al-Dhameen, which issues guarantee letters for each financing separately. In this case, the total value of issued guarantees should not exceed 15 million QAR per project.
• If the Qatari SME has more than one project – two at the most – it can obtain two separate guarantee letters, provided the total amount of the guarantees does not exceed 20 million QR.
• The Bank shall approve funding above this limit at its discretion. The coverage of the participating bank remains the same throughout the term of the loan, while the level of guarantee provided by QDB declines in conjunction with the repayment of the term loan.
• Participating banks may grant loans higher than the approved limit, but we must set the guarantee limit, as we see convenient.

• ​Any Qatari small or medium enterprise or joint venture (including foreign investors) whose annual turnover does not exceed 30 million QAR can apply for finance from banks under the Al-Dhameen program.

• ​​All main sector business activities are eligible for support under AL-DHAMEEN, except the following sectors: agriculture, fishing and livestock, non-oil mining and quarrying, wholesale and retail, financial, insurance and real estate.

• Apply directly to one of the participating banks
• Get the Guarantee Application Form for financing SMEs from the participating bank, or from the QDB program or website
• Fill in all the required information in the application with copies of all required documents related to the project
• Submit all previous documents to the participating bank which will study and evaluate the proposal in the light of the applicable criteria
• If the participating bank agrees to grant you the required funding, the bank will submit these documents to QDB with their approval to grant you the required funding.
• Partner bank will be asked to provide the securities that are deemed necessary for the program, including CR pledge.The participating bank will be notified of QDB’s approval to issue a letter of guarantee in order to complete the procedures for obtaining the necessary funding.

Note:​The participating bank will consider the application in accordance with its lending policies. QDB guarantees the financing to the participating bank, but the guarantor remains responsible for the full amount of the funding.