1. Small Business Finance
   • Facility Size: Up to AED 1.5 million
   • Purpose: Working capital for local/international purchases, CAPEX finance for equipment, machinery, and vehicles
   • Tenor: Flexible, up to 48 months
   • Profit Rate: Competitive, typically 18%–24% p.a. reducing balance based on risk profile
   • Processing Fee: AED 1,000 or 00% of facility + 5% VAT
   • Transaction Fee: 00% of drawdown + 5% VAT
   • Early Settlement Fee: 00% of outstanding + 5% VAT
2. Quick Merchant Loan (QML)
   • Facility Size: Up to AED 200,000 per drawdown
   • Purpose: Revolving working capital with 4-month tenors, renewable up to three cycles within 13 months
   • Profit Rate: 22% p.a. reducing balance
   • Processing Fee: 50% of drawdown + 5% VAT
   • Transaction Fee: 00% of drawdown + 5% VAT
   • Early Settlement Fee: 00% of balance + 5% VAT

Eligibility Criteria

• Business Age: Minimum 1 year of continuous UAE operations for merchant loans; 3 years for other products
• Turnover:
  – Small Business Finance: Between AED 3 million to AED 20 million for Small Business Finance
  – Quick Merchant Loan: Average monthly POS turnover covering monthly EMI
  – Larger Facilities: Minimum AED 3 million annual turnover for higher-value products
• Security: Post-dated cheques equal to 120% of facility amount; no physical collateral for working capital products
• Residency: UAE-registered entities; signatories must hold valid Emirates ID and passport
• Credit Profile: No prior defaults or legal encumbrances; maintain clean banking history

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