Empowering
Partner Eco-Systems
with Embedded
Financing Solutions
Why Hal
Is Right for You
For Businesses (MSMEs)
Fueling growth for underserved micro, small, and medium enterprises.
Working Capital, When It Matters
Unlock short-term financing to keep operations running and seize opportunities.
Invoice, Payables, and Inventory Financing
Boost liquidity by unlocking capital tied up in receivables, payables, or stock needs.
Ethical, Scalable, and Fast
Fair terms, fast approval, and financing that grows as your business does.
Embedded Through Trusted Partners
Whether you’re on a supplier platform, employer portal, or service provider app — we’re right there with you.
For Individuals:
Empowering migrant workers, gig earners, and underserved customers
Fast, Flexible Access
No lengthy applications. Once approved, get your credit instantly anytime you need it.
Embedded in Daily Life
Access financing directly through apps you already use — for airtime, remittances, essentials, and more.
Sharia-Compliant, Transparent Financing
No interest, no hidden fees — just simple, ethical credit.
Build Financial Independency
Start small, build trust, and improve your financial future — even without a credit history.
Financial Solutions Designed
to Support Your Growth
Short-Term Financing
Instant liquidity to manage day-to-day operations, cover cash flow gaps, or handle unexpected expenses.
Receivable Financing
Unlock working capital tied up in unpaid invoices to keep your business moving.
Payable Financing
Flexible terms to pay suppliers and vendors on time while preserving your cash.
Inventory & Stock Financing
Access capital to restock and grow sales without straining your balance sheet.
Salary Advance Financing
Access to your salary before payday through your employer’s app or HAL App — with no hidden surprises.
Mobile Device Financing
Own the smartphone you need now and pay in affordable installments through your telco.
Our Team
Our team brings together the best of both worlds — experienced finance professionals and visionary tech builders — all aligned by a shared goal: breaking down financial barriers.
With deep roots in Islamic finance and digital innovation, we’re here to offer a more human, more meaningful financial experience.
Lutfi Al Shukili
Co - Founder
Mohamoud Dualeh
Co - Founder
Sree Charan Kunutur
CTO
Frequently Asked Questions
What is HAL?
HAL is a Sharia-compliant fintech platform in Oman that provides direct, embedded financing to underserved individuals and small businesses. We partner with banks, finance companies, PSPs, telecoms, FMCGs, employers, service delivery platforms, and e-commerce platforms to offer fair, transparent, and accessible short-term financing solutions. HAL currently operates under the supervision of the Central Bank of Oman’s Fintech Regulatory Sandbox.
How does HAL work?
HAL works through partners who invite eligible customers to access financing via the HAL app or their platform Our financing products are tailored to meet our customers’ needs, bridging funding gaps to promote financial inclusion and empower growth.
Is HAL Sharia-compliant?
Yes. HAL’s financing strictly follows Sharia principles, avoiding interest (riba) and speculative contracts. All terms are clear, fair, and agreed upfront.
Who can use HAL?
HAL is designed for individuals and businesses that are underbanked or underserved, including salaried employees, self-employed individuals, and small businesses. To participate, you need to be part of a partner program, have verified income or business activity, and hold valid identification and a linked bank account.
What kinds of financing does HAL provide?
HAL offers flexible financing solutions tailored to meet the real needs of individuals and
businesses, including:
- Everyday essential financing (fuel, bill payments, grocery, consumer goods etc)
- Business financing like supply chain, receivables/payables, contractor payments, and bridging finance to support cash flow and growth.
These solutions are designed to improve access to finance for those often excluded from traditional financing.
How is my application evaluated?
Applications are assessed automatically based on your relationship with the partner and verified through credit risk scoring tools like Malaa. The process is designed to be fast, fair, and inclusive to support financial inclusion for underbanked customers.
What documents or information do I need to apply?
A valid Omani or Residency ID, proof of income, a valid business registration (CR), and an active Omani bank account are required. HAL uses this information to verify your eligibility and support responsible financing through its internal credit scoring mechanisms.
Can I access more financing after repaying?
Yes. After successfully repaying, your profile is reassessed. Based on your repayment history and partner data, you may qualify for additional or higher value financing offers, further supporting your financial inclusion and growth
How are fees and repayments structured?
HAL charges (fees) transparent service fee with no interest, compounding, or hidden costs.
How can I get help or support?
If you have questions or need assistance, contact HAL customer support at support@hal.group or via the partner platform where you access HAL services.
Get in Touch
Have questions? We’re here to help. Contact Hal today for ethical, transparent financial support tailored to your needs.
