Musanada Program

Support for small and medium, and micro enterprises affected by recent hostile Iranian aggression ensuring the sustainability of their operations and safeguarding employment through financial and liquidity support

  • About the Program 

    Support for small, medium, and micro enterprises affected by the recent hostile Iranian aggression ensuring the sustainability of their operations and safeguarding employment through financial and liquidity support, with applications open for 3 months.

    By offering financial assistance during periods of economic uncertainty, the initiative aims to support eligible enterprises in sustaining their operations, maintaining employment, and managing financial and operational challenges.

    Through this program, eligible mSMEs will receive support to alleviate immediate operational pressures, stabilize cash flow, and ensure business continuity, while enabling them to adapt to evolving market conditions and position themselves for recovery and sustainable growth.

    The program is structured across three tracks, each designed to address specific business needs as below:

    Track 1: Directly Affected Businesses Support

    This track provides grant support to viable businesses that have been directly impacted due to infrastructure damage, disruptions limiting access to their business premises, security restrictions, or location-specific risks, including businesses facing operational disruption.

    The grants aim to support business continuity, recovery efforts, and the commencement of activities, enabling enterprises to resume normal operations.

    Support may also cover compensation for recurring costs such as rent, utilities, and other fees, to support the recommencement of activities.

    Track 2: Operational Expenses Support

    This track provides financial grant-based support to affected enterprises to cover essential operational expenses, sustain business continuity, and support retention of their workforce.

    Track 3: Financing Profit Support

    This track offers 100% subsidy on the profit charges of working capital financing loans provided during a grace period of up to 12 months, with a repayment period of up to 3 years, through the SME Fund.

  • Eligibility Criteria 
    • Enterprise must be adversely affected and able to provide evidence of financial or operational distress during the period of impact.
    • Enterprise must be capable of continuing operations and maintaining its business activities after receiving support.
    • Enterprise must have an active Commercial Registration (CR) / valid license issued prior to March 2026.  
    • Enterprise must have a physical presence that incurs operational expenses such as rent, salaries, and other business costs. 
    • Bahraini owned Enterprise must have at least one (1) employee registered with SIO/The Labour Market Regulatory Authority at the time of Application.
    • Foreign owned enterprises must employ at least one (1) Bahraini national registered with SIO at the time of Application.
    • Enterprise must be classified as either a Small, Medium or Micro per the definition set by the Ministry of Industry and Commerce.   
    • Enterprise must not be owned more than 50% by the Government . 
    • Enterprise must have an active commercial bank account.  
    • Enterprise must submit audited financial statements – where unavailable, system generated financials.  
    • Enterprise must not have any violations from Tamkeen, LMRA, SIO or any other relevant government entity.  
    • Enterprise must not be registered as a holding company.  
    • Enterprise must not be classified as a charity or NGO . 
    • The program targets sectors impacted by the disruption. Eligible sectors are listed under the Frequently Asked Questions.  
  • Support Mechanism 

    We will provide financial support to eligible enterprises through grants and financing support, depending on the program track, to assist with covering operating costs, working capital needs, and recovery expenses resulting from business disruption. 

    The support under each track is outlined below: 

    Track 1: Directly Affected Businesses Support

     Infrastructure Damage: We will provide grant support disbursed based on actual repair costs.  

    Access Limitation to business premises: We will provide grant support disbursed based on enterprise eligibility and size. 

    Track 2: Operational Expenses Support
    We will provide grant support disbursed over a period of three months based on the size of the enterprise and subject to the retention of their workforce.

    Track 3: Financing Profit Support
    This track provides 100% subsidy on the profit charges of working capital on financing loans provided during a grace period of up to 12 months, with a repayment period of up to 3 years, through the SME Fund.

Frequently Asked Questions

  • How can my company benefit from this program?

    Enterprises can submit applications using Tamkeen’s online portal

    Application for the Financing Profit Support track can be submitted through the Bahrain Development Bank.

  • What information and documents do I need to prepare before applying?
    • Main business account bank statements from January 2026 until application
    • Electricity & Water bills from January 2026 until application
    • Pictures of the premises  
    • Latest 2 years audited financials (if unavailable, system generated financials) 
    • Evidence of financial or operational distress 
    • Quotations for repairs (applicable for the Directly Affected Businesses Support Track)
    • Approved Credit Application (applicable for Financing Profit Support Track)
    • Payment Schedule (applicable for Financing Profit Support Track)
    • Additional supporting documents may be required 
  • How is the grant/financing support amount determined?

    The grant or financing amount allocated to each enterprise is determined based on the support track and the enterprise’s size classification.  

  • How long is the contract duration?

    The contract duration depends on the support track.

  • Can my company benefit if I previously benefited from Tamkeen programs?

    Yes, any enterprise can benefit from this program even if it has an existing application under other support programs, provided that the eligibility criteria are met.

  • Can I apply for multiple tracks under the Program?

    Yes, enterprises can apply for more than one track under the program, provided that they meet the intended purpose, objectives, and eligibility criteria of each track. Each application will be evaluated separately based on the track’s specific criteria and requirements. 

  • Are virtual CRs eligible for support?

    No, Virtual CRs are not eligible for support.

    The program supports enterprises with a physical presence that incur operational expenses such as rent, salaries, and other business costs. 

  • What happens if my CR/license status changes?

    The enterprise must formally inform Tamkeen if there are any changes to the legal status of the CR/license. 

  • Which sectors does the support cover?

    The program targets the affected sectors according to the specified support track.

    Track 1 (Directly Affected Businesses Support):

    We will support small, medium, and micro enterprises across all sectors that are eligible and capable of continuing operations and maintaining their business activities.

    Track 2 (Operational Expenses Support) and Track 3 (Financing Profit Support): 

    • Transportation and storage
    • Tourism
    • Manufacturing
    • Accommodation and food service activities
    • Sale/trading activities, repair of motor vehicles and motorcycles
    • Professional, scientific and technical activities
    • Administrative and support service activities
  • Which Track Can My Company Apply For?

    Apply for Track 1 (Directly Affected Businesses), if: 

    • Your business stopped/closed temporarily due to physical damage  
    • Your business has been partially or fully forced to close due to access limitation. 
    • You need support to maintain business continuity, resume operations safely, and/or retain existing employment. 

    Apply for Track 2 (Operational Expenses Support), if: 

    • Your business is still operating but you are facing challenges in covering rent, salaries and utilities  
    • Your business operates in sectors heavily or moderately impacted by the disruptions 
    • You need support to continue operating and to retain your employees  

    Apply for Track 3 (Financing Profit Support), if: 

    • Your business is experiencing cash flow constraints but continues to operate  
    • Your business operates in sectors heavily or moderately impacted by the disruptions  
    • You need support to maintain business continuity and/ or retain your existing employment  
  • What other document is required if the latest audited financial statements are unavailable?

    If the latest audited financial statements are unavailable, system generated financials must be provided instead.

Discover the Musanada Program, supporting SMEs and micro enterprises affected by recent hostile Iranian aggression through financial and liquidity assistance to sustain operations and safeguard employment
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