A Kafalat Innovative loan application may be presented in different ways:
- To the bank which will forward the application to Kafalat SAL, once it approves the loan.
- Both to the bank and Kafalat Simultaneously.
- To Kafalat SAL directly and before establishing contact with commercial banks. Thus, once Kafalat approves the financial viability of the project, it will issue a letter of intent to grant the applicant a guarantee.