ADIB Business Financing

Minimum Salary
500,00 د.إ

Flat Rate
AED 9.9%

Reducing Rate
18%

Maximum Term
48 Months

Monthly Payment
AED 36,000

Description

For SMEs seeking collateral-free financing up to AED 1.5 million with competitive profit rates, the Small Business Finance facility is ideal. Established corporations requiring large-term CAPEX funding or asset-backed financing should opt for Relationship-Based Finance or Real Estate & Equipment Finance, while those needing trade finance solutions can leverage ADIB’s Trade Finance offerings.

Features

Product Suite Overview

Facility Name	Purpose	Maximum Facility	Tenor	Collateral Requirement
Small Business Finance	Working capital; machinery & vehicle acquisition	AED 1.5 million	Up to 48 months	Unsecured for working capital; asset pledge for CAPEX
Relationship-Based Finance	Large CAPEX; expansion & structured project funding	Negotiable (AED 5 m+)	1–7 years	Asset-backed; corporate guarantees
Real Estate Finance (Murabaha)	Purchase/refinance of commercial property	Negotiable	Up to 15 years	First-ranking mortgage
Equipment Finance (Ijara)	Lease of plant, machinery, vehicles	Negotiable	Up to 7 years	Asset lease agreement
Trade Finance	Letters of Credit, Guarantees, Documentary Collections	As required	Per trade transaction cycle	Cash margin or receivables charge

Profit Rates & Charges

Profit Rates (p.a.)

Facility	Structure	Profit Rate Range
Small Business Finance	Murabaha (cost-plus sale)	6.25%
Relationship-Based Finance	Murabaha / Ijara	6.00%
Real Estate Finance	Murabaha	5.75%
Equipment Finance	Ijara	6.00%
Trade Finance	Murabaha / Wakalah	1.00%–3.00% fee on amount financed

Rates are based on ADIB’s Base Financing Rate (4.25%) + product margin.

Schedule of Fees (exclusive of 5% VAT)

Fee Type	Charge
Processing / Arrangement Fee	1.00% of financed amount (min AED 500; max AED 2,500)
Takaful Contribution	Up to 1.00% of outstanding balance
Early Settlement Fee	1.00% of outstanding Murabaha cost (max AED 10,000)
Instalment Deferment	Waived for first two postponements annually; thereafter AED 100 each
Late-Payment Charity Contribution	AED 100 per missed instalment
Drawdown Amendment Fee	AED 200
Liability / No-Objection Letter	AED 100
Property Valuation Fee	AED 2,500 per property (Real Estate Finance)

Eligibility Criteria

Business Tenure:
- Small Business Finance: ≥ 3 years trading history
- Relationship-Based & Real Estate: ≥ 2 years
Annual Turnover:
- Small Business Finance: AED 3 m–20 m
- Relationship-Based Finance: Typically AED 20 m+
Credit Profile: Clean corporate and principal credit history
Shari’a Compliance: Business activities must align with Islamic principles

Documents Required

Completed ADIB Business Finance application form
Trade license, Commercial Registration, Chamber of Commerce certificate
Memorandum & Articles of Association; shareholder resolution authorizing financing
Audited financial statements for the past 2 years (for facilities > AED 2 m)
Last 6 months of business bank statements
Emirates ID, passport, and UAE visa copies of authorized signatories
Title deeds or lease agreements for collateralized facilities
Corporate or personal guarantees, if required

Additional Info

Collateral-Free Access: Up to AED 1.5 m unsecured funding for SMEs
Swift Decisioning: Approval within 3–5 business days for Small Business Finance
Flexible Repayment: Monthly, quarterly, or bespoke schedules aligned to cash flows
Digital Self-Service: Drawdowns, repayments, and instalment deferment via ADIB Direct online and mobile banking
Dedicated Relationship Management: Expert advisory and customized structuring
Trade Advantages: Preferential pricing and advisory services for import/export transactions through Trade Finance

By matching your enterprise size, funding needs, and growth horizon to ADIB’s Shari’a-compliant solutions, you secure competitive profit rates, transparent fees, and comprehensive support to drive your business forward.