Business Loan

Q: What is the typical loan amount and repayment tenure?

<div class="fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion_builder_column_1_1 1_1 fusion-flex-column" style="--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;"> Unsecured loans generally range from AED 100K to AED 5M , while secured loans may be higher. Repayment tenure typically goes up to 48 months .

Q: Loan rates based on a flat rate or reducing balance?

<div class="fusion-layout-column fusion_builder_column fusion-builder-column-18 fusion_builder_column_1_1 1_1 fusion-flex-column" style="--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;"> Business loans typically use a Reducing Balance rate, where interest is charged on the outstanding principal amount each month.

Q: Is collateral always required for a Business Loan?

<div class="fusion-layout-column fusion_builder_column fusion-builder-column-21 fusion_builder_column_1_1 1_1 fusion-flex-column" style="--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;"> Not always. Many SME loans are offered without collateral , but the loan amount and pricing depend on the company’s financial strength and credit profile.

Q: Are Sharia-compliant business financing options available?

<div class="fusion-layout-column fusion_builder_column fusion-builder-column-22 fusion_builder_column_1_1 1_1 fusion-flex-column" style="--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;"> Yes. Islamic banks offer Murabaha, Ijara, Musharaka and other Sharia-compliant financing structures.

Q: What is the difference between a Term Loan and a Working Capital Facility?

<div class="fusion-layout-column fusion_builder_column fusion-builder-column-24 fusion_builder_column_1_1 1_1 fusion-flex-column" style="--awb-bg-size:cover;--awb-width-large:100%;--awb-flex-grow:0;--awb-flex-shrink:0;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-flex-grow-medium:0;--awb-flex-shrink-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-flex-grow-small:0;--awb-flex-shrink-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;"> A Term Loan is a fixed amount repaid over time. A Working Capital Facility provides ongoing access to funds to support daily operations.

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Business Loan

Access flexible business financing that supports expansion, working capital, equipment purchase, and day-to-day cash flow needs. We assess your business profile and match you with the right bank, credit product, and repayment structure based on your financial strength and operational activity.

Why Choose Our Business Loan Assistance?

Strategic bank matching to maximize approval chances

Guidance aligned with UAE credit policy and compliance

Support for SMEs, startups, trading & service companies

Assistance with loan application, business plan, and financials

Loan Types We Assist With

Secured / Unsecured Business Loans
Working Capital Loans / Overdraft Facilities
Trade Finance Solutions (LC, LG, Invoice Financing)
Islamic Business Finance (profit-sharing structures)

Consulting 85%

Management 76%

Brainstorming 92%

Investment 65%

Key Features

Loan amounts starting from AED 100,000+
Reducing balance monthly installment options
Competitive rates based on business credit standing
Full transparency of fees and facility terms

Eligibility Requirements

Business Age: 1–2 years operating in UAE
Annual Turnover: Starts from ~AED 1M+ (bank-dependent)
Corporate Bank Account: 6–12 months of consistent activity
Valid Trade License: LLC or Free Zone permitted

Documents Required

Trade License, MOA / AOA, Establishment Card (if applicable)
Passport, Visa & Emirates ID for owners/signatories
Last 6–12 months corporate bank statements
Financial statements or audited reports (where available)

The steps we follow to
achieve your goals

We follow a focused, step-by-step process designed to turn your vision into results. Each stage is structured to keep you aligned, informed, and moving toward your goals.

Step – 1

Understand business model & funding requirement

Outcome: Correct loan type selection

Step – 2

Review bank statements & financials

Outcome: Higher approval probability

Step – 3

Match bank & prepare application

Outcome: Reduced delays

Step – 4

Submit & follow up

Outcome: Smooth processing

frequently asked questions

What are the basic eligibility requirements for a Business Loan in the UAE?Akber Laasi2025-11-17T22:34:45+00:00

Business Loan

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Business Loan