Business Loans that keep your operations moving
Term loans, trade & working capital, and POS receivables finance — structured with bank-grade discipline and delivered at founder speed.
What you can finance
We tailor structure, tenor and security to your cash cycle and sector.
Business Term Loan
Expansion, inventory, project mobilization.
- AED 150k–1.5M
- 6–24 months
- EMI / step-up
Trade Working Capital
LC/TR discounting, revolving lines.
- AED 300k–2M
- 3–12 months
- Inventory/receipts backed
POS Receivables Finance
Retail/F&B; daily sweep via POS.
- AED 150k–600k
- 6–12 months
- Auto repayment
Private Lending
Special situations & bridge capital.
- Ticket per case
- Flexible tenor
- Negotiated security
Eligibility (quick view)
- UAE trade license active ≥ 12 months (sector exceptions case-by-case)
- Average monthly turnover ≥ AED 100k (lower for POS finance)
- AECB score in good standing; no recent cheque returns
- Clean ownership/KYC; verifiable office or operations
Tip: Seasonal businesses can use step-up EMIs or revolving limits.
Quick estimate
*Heuristic: up to ~2× average monthly turnover; final terms depend on full credit review.
Documents checklist
Only what we actually use — clear scans speed decisions.
KYC
- Passport & Emirates ID (owners)
- Visa (if applicable)
- Proof of address
Company
- Trade License, MOA
- VAT certificate (if registered)
- Lease/Ejari
Financials
- 6–12 months bank statements
- Management accounts (if any)
- POS reports (if applicable)
Trade
- Supplier invoices / LPOs
- Contracts / SOAs
- Shipment docs (LC/TR)
EMI Calculator
Try a quick estimate. For guidance, many SMEs start with 6.5% and 3–5 years.
Apply now
Share a few details. We’ll review and reply with options and next steps.
- Transparent pricing and structures
- Bank-grade documentation
- Direct access to lenders & private capital
FAQs
How fast can funding be arranged?
For clean cases with complete documents, initial decisions can land in 3–7 business days. Trade structures may take longer.
Do I need collateral?
Not always. Many facilities rely on receivables, POS flows or guarantees. Secured options are available case-by-case.
What affects pricing?
Sector risk, statements stability, AECB score, tenor and the security package. We optimize structure to keep costs practical.
Which sectors do you support?
F&B, trading, logistics, e-commerce, healthcare, services, construction materials and more. Niche cases reviewed individually.