HAL is a Sharia-compliant embedded micro-financing company focused on expanding access to finance for individuals and small businesses underserved by traditional financial systems.

Headquartered in Muscat, HAL operates in line with Oman Vision 2040 by supporting financial inclusion, SME growth, digital enablement, and economic diversification. We work closely with partners across priority SME sectors to help unlock sustainable growth and productive participation in the economy.

Our model embeds financing directly into partner platforms, reducing friction and enabling faster, simpler, and more transparent access to capital. This approach supports Micro SMEs, entrepreneurs, and individuals who remain outside conventional banking channels.

HAL is under the Central Bank of Oman (Sandbox) and operates with a strong focus on governance, Sharia alignment, and responsible finance.
Our team of 15 brings experience across finance, technology, operations, and partnerships, working together to build an embedded lending ecosystem that delivers real impact.

At HAL, we believe access to finance is a foundation for opportunity, resilience, and long-term economic progress.


HAL حل

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HAL حل

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