Overview
Loan Amount
Minimum - AED 1 Million
Maximum - AED 5 Million
Loan Tenure
Minimum - 3 months
Maximum - 12 months
Interest rate
2 to 3% per month depending on business risk analysis
Security
No collateral required. Loans are secured by guarantee cheques and legal agreements.
Processing Time
2 weeks max
Arrangement Fee
4% one-time, deducted from the loan amount. No upfront fees.
Qualification Criteria
These are guidelines based on current situation in UAE. Each business is evaluated on its own merits.
Industries
All except:
- Pure trading
- Real estate
- Food and beverage
Company Metrics
Company age - Minimum 8 years in business (with properly audited books)
Turnover - Annual turnover around AED 40 to 50 million
Documentary requirements
- Trade License
- MOA / Company Documents
- Emirates ID & Passport (Shareholders)
- AECB Consent Form (signed & stamped)
- Bank Statements (last 6–12 months)
- Audited Financials (last 2 years) or in-house P&L / balance sheet
- VAT Returns (last 4 quarters)
- Aging Receivables & Payables
- Details of any existing loans or facilities