✦ AI-Powered Housing Finance · Built for Oman

One ecosystem for the entire housing loan journey.

LoanFlow360 unifies customers, valuators, developers and bank operations on a single platform — from eligibility to disbursement and every construction milestone in between.

3.2 days
Avg. approval cycle
12k+
Applications processed
98.4%
SLA compliance
Application · HL-2026-04821
Disbursement
Loan Amount
OMR 76,000
Construction · 20 years · 4.25%
Foundation released
OMR 11,400
Ground slab released
OMR 19,000
First floor — in review
OMR 15,200
Roof slab — pending
OMR 11,400
Synced across Customer · Partner · Ops
No login needed

See what you can borrow

Try our public calculator before you apply — same Central Bank of Oman rules our bankers use. Pick your segment, set your numbers, and see your max loan, monthly instalment, LTV and DSR in real time.

  • ✓ Conventional or Islamic finance
  • ✓ Special rates for Omani Government MOU employers
  • ✓ Expat ITC restrictions handled automatically
  • ✓ DSR colour-coded: green < 40% · amber 40–55% · red > 60%
Quick Loan Calculator

Check what you can afford

Only basic salary is included — allowances excluded per Central Bank of Oman rules
5.25% p.a.
Max loan
OMR 76,000
Instalment
OMR 512/mo
LTV
80.0%
DSR (CBo cap 60%)
36.8%
Ecosystem

A connected banking experience

👥

Customer

Guided application, eligibility, smart document capture and live status — all in one place.

🛠

Partner

Valuators, developers, contractors and insurers collaborate on tasks, reports and stage approvals.

🛡

Bank Operations

Enterprise queue, credit, risk, compliance and disbursement — orchestrated end-to-end.

Construction Loan Journey

From foundation to handover

Stage-based releases, partner inspections and contractor coordination — orchestrated by workflow, visible to every stakeholder.

Stage 1
Foundation
01
Stage 2
Ground Slab
02
Stage 3
First Floor
03
Stage 4
Roof Slab
04
Stage 5
Finishing
05
Stage 6
Handover
06
Platform

Built for modern housing finance

Workflow orchestration

Configurable stages, SLAs and routing.

Risk & compliance

AML/KYC, fraud signals and policy validation.

AI document validation

OCR, classification and missing-doc detection.

Stage-based disbursement

Tie fund release to verified milestones.

Eligibility & DBR engine

Real-time affordability and LTV analysis.

Partner collaboration

Valuators, developers, insurers in one workspace.

Choose your portal

Step into the role

Three role-based portals, one connected workflow. Pick a portal to explore the demo.