Sanad Financing

Keep your business moving forward.

What is Sanad?

Sanad is a strategic initiative by Bahrain Development Bank (BDB), operating under the regulatory framework of the Central Bank of Bahrain (CBB), designed to strengthen the financial resilience of Bahraini SMEs through accessible working capital support.

The programme helps businesses maintain healthy cash flow, manage day-to-day operational expenses, and navigate periods of market uncertainty with greater confidence. Whether you need support to cover operational costs, bridge short-term funding gaps, or sustain business continuity while preparing for future growth, Sanad provides flexible financing to help your business stay stable, agile, and moving forward.

What We Offer

  • Flexible working capital support
  • Competitive profit rates
  • Grace period of up to 12 months
  • Repayment tenor of up to 5 years

Who Can Apply

This programme is open to all registered SMEs across the Kingdom of Bahrain. 

How to Apply

Applications are open for a limited time, from 10th May to 10th June 2026.

To get started:

  • Contact your BDB Relationship Manager
  • Visit any BDB branch across the Kingdom
  • Call our team on 17511111

BDB SME Financing Scheme (Sanad) – FAQs

Sanad is a working capital financing solution designed to support SMEs in maintaining operations, managing expenses, and sustaining business continuity.

To apply for Sanad financing, the business should:
  • Be a registered SME in Bahrain (valid CR).
  • CR in operation for a minimum of 36 months.
  • Final eligibility is subject to BDB’s internal credit assessment approval

Sanad is focused on working capital, including:
  • Staff salaries
  • Rent and overhead costs
  • Inventory purchases
  • Supplier payments
  • Day-to-day operational expenses

  • Grace period: Up to 12 months
  • Repayment period: Up to 5 years
  • Competitive interest rates
  • Profit rates: Competitive and preferred

Applicants may be required to provide:
  • Valid Commercial Registration (CR)
  • CPR/ID of the owner(s)
  • Financial statements
  • Bank statements (last 6 months)
  • Memorandum and Articles of Association (if applicable)
  • Details of business expenses (e.g., rent, payroll, suppliers)
  • Any additional documents requested during assessment

Sanad is designed specifically to:
  • Support business continuity
  • Provide cash flow flexibility
  • Help SMEs navigate challenging periods

  • Call: 17511111
  • Visit: www.bdb-bh.com
  • Contact your Relationship Manager

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Last Updated: 09 May 2026
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