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We Serve: Dubai, Abu Dhabi, Sharjah, Al-Ain and Northern Emirates

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Types of financing and bank facilities available in the UAE

It's a known fact that UAE is considered to be a commerce hub in the region providing an excellent environment and infrastructure to do business. However, many owners face challenges in starting and growing their company and often look to banks and financial institutions to assist them in raising capital for their organizations. We assist our clients in obtaining any of the following types of trade financing depending on the goals of their organization.

Business Loans

This is the most common form of corporate financing for companies in the UAE and varies in value from AED 150,000 to AED 2,000,000. Banks provide flexible repayment anywhere from 2 to 5 years and require the business to be operational for at least 2 years and have yearly revenue of AED 1,500,000 or more. Documentation is fairly simple - our consultants will assist you in preparing all the documentation and prepare audited financial statements if required, free of charge.

Business Startup Loans

Whether you are an expat who's recently moved to the United Arab Emirates or a local resident and planning to start a company of then the challenge can be start-up capital. Unless you've got an angel investor business start-up loans is the best solution for you to start without having to worry about where you are going to get required funding. There are many banks and finance companies in Dubai and all over the UAE which assist you to start your company. Depending upon the structure of the credit you can expect to pay an interest rate 8-12% approximately and lend a amount of AED 200,000- AED 500,000 easily with flexible repayment options.

Trade Finance Facilities

There are several different forms of trade facilities all of which involve facilitating international trade transactions. The financial institution will normally pay for goods on behalf of the importer who will then have to repay the bank in an agreed period of time. Trade facilities also include Letters of Credit, LC Discounting and Bills Discounting. We will assist you in applying for and getting the best terms on any trade facilities your organization may require.

Point of Sale Finance

If your company is a retail outlet you will most likely have a point of sale machine available for customers who wish to pay by credit card. Several banks and financial institutions provide financing against future revenue generated through your POS machine. Loans secured in this way often come with a lower interest rate then conventional corporate loans and are growing in popularity in the UAE.

Short Term Loans

These types of credits allow companies a fixed amount of financing, usually up to AED 2,000,000 and require repayment in a shorter duration of time than conventional loans. Once funds are repaid, the borrower can once again utilize the lent amount. The requirements for these credits are less stringent than some other types of financing due to the short repayment period and interest rates are around 1%/ month. We can help you to apply for a short term loan in Dubai.

We are experts in all forms of commercial funding in the UAE and can guide you on the best option for your company.

How can we help you?

One of the most challenging parts about applying to banks & lending institutions is that there are so many options available at various interest rates. It may be hard to determine what type of loan is best for you. Often a small difference in interest can lead to a large amount of extra money being paid out to the bank over the tenure of the lent amount. Also, there is often a lot of documentation that is required to be submitted after which the bank may still be selective in approving the financing for your company.

Our expert consultants can assist you in applying and getting approved for corporate financing. Some of our services include:

Identifying the most suitable credit for your financial requirement

Advice and consultation on applying for suitable business financing

Preparing comprehensive financial statements for credit application approval

Representing your company to find the best deal available

Negotiating the best terms and conditions with banks & lending institutions

Closing the transaction with banks