ADCB Business Loans

Minimum Salary
500,00 د.إ

Flat Rate
AED 3.75% – 25% p.a.

Reducing Rate
6.8% – 45% p.a.

Maximum Term
48 Months

Monthly Payment
AED 36,000

Description

Abu Dhabi Commercial Bank (ADCB) offers a suite of unsecured and asset-backed business financing solutions designed to support SMEs and corporate clients across diverse sectors. ADCB’s products feature flexible tenors, competitive pricing, and streamlined application processes.

Features

Insta Loan

Purpose: Unsecured working capital and CAPEX financing
Loan Amount: Up to AED 1.5 million
Tenor: 12–48 months
Interest Rate: From 3.75% to 25% per annum (flat)
Processing Fee: 1.5% of approved amount
Early Settlement Fee: 2% of outstanding balance

POS Receivables Finance

Purpose: Finance against credit/debit card machine receivables
Facility Size: Up to AED 3 million
Tenor: Up to 12 months
Interest Rate: Competitive reducing balance rate, typically ~12% per annum
Processing Fee: 1% of facility amount
Early Settlement Fee: 1.5% of outstanding balance

Working Capital & Trade Finance

Simplified Working Capital: Overdraft, invoice discounting, letters of credit
Enterprise Credit: Revolving credit line; amount based on turnover
Interest/Commission: From 1.25% per month (15% per annum) on utilized limits
Commitment Fee: 0.5% per annum on undrawn portion

Eligibility Criteria

Business Age: Minimum 12 months of commercial operations
Annual Turnover:
– Insta Loan & POS Finance: AED 500,000 minimum
– Account Relationship: At least 6 months with ADCB or another UAE bank
Sector: Trading, manufacturing, services, healthcare, construction, F&B
Legal Structure: LLC, FZE, sole proprietorship, partnership, branch office

Key Features & Benefits
• Flexible Repayment: Tailored schedules to match cash flows
• Collateral-Light: Unsecured options for smaller facilities
• Digital Access: End-to-end online application and tracking
• Dedicated Support: Relationship manager for Preferred and above packages
• Competitive Pricing: Rate bands aligned with market benchmarks

Documents Required

Corporate: Trade license, commercial registration, memorandum of association
Financial: Last 12 months’ bank statements, audited financials (if available)
Legal: Board resolution or power of attorney, tenancy contract
Personal: Passport copies and Emirates IDs of owners/directors
Collateral (if applicable): Title deed, vehicle registration, or equipment invoice

Additional Info

Application Process & Timeline

Preliminary Assessment: 1–2 business days
Document Verification: 3–5 business days upon receipt of complete documents
Credit Approval: 5–7 business days subject to credit committee review
Disbursement: 1–2 business days after final approval