CBD Business Loans

Minimum Salary
500,00 د.إ

Flat Rate
7.17%

Reducing Rate
13%

Maximum Term
48 Months

Monthly Payment
AED 52,800

Description

The Commercial Bank of Dubai (CBD) provides a range of flexible, collateral-free business financing solutions tailored to SMEs and corporate clients in the UAE. CBD’s offerings feature competitive pricing, transparent terms, and fast processing, underpinned by dedicated relationship management.

Features

Business Installment Loan

Loan Amount: Up to AED 2 million
Tenure: 12–48 months
Flat Rate: 7.17% per annum
Reducing Rate: 13% per annum
Processing Fee: 2% of approved amount
Early Settlement Fee: 1.5% of outstanding balance
Approval Time: Within 48 hours

Business Loan against POS

Loan Amount: Up to AED 1 million
Tenure: Up to 48 months
Interest Rate: Lowest among CBD loans (competitive market rate)
Processing Fee: As per prevailing CBD policy
Top-up Facility: Available after 12 months
Disbursement: Monthly direct debit from POS receipts

Eligibility Criteria

Business age: Minimum 2 years
Annual turnover: Minimum AED 2 million
Banking relationship: At least 6 months with CBD or other UAE bank
Minimum account balance: AED 40,000 (AED 30,000 for POS finance)
Industries: Trading, manufacturing, professional, services.

Required Documentation

Valid trade license, commercial registration, and memorandum of association
Board resolution or power of attorney (if applicable)
Passport and Emirates ID of signatories/owners
Last 12 months’ bank statements (no audited financials required)
Proof of address and ultimate beneficial owner details.

Documents Required

Valid trade license, commercial registration, and memorandum of association
Board resolution or power of attorney (if applicable)
Passport and Emirates ID of signatories/owners
Last 12 months’ bank statements (no audited financials required)
Proof of address and ultimate beneficial owner details.

Additional Info

Application & Disbursement

Credit decision: Within 48 hours for standard products; up to 5 business days for specialized finance
Disbursement: Direct debit from business bank account upon final approval

CBD’s business loans cater to diverse financing needs with streamlined documentation, quick turnaround, and transparent pricing, making them an attractive option for UAE SMEs seeking growth capital.