Commercial Bank of Dubai (CBD) Business Loan

Minimum Salary
500,00 د.إ

Flat Rate
7.17%

Reducing Rate
13%

Maximum Term
48 Months

Monthly Payment
AED 36,000

Description

For short-term liquidity, the Business Overdraft provides on-demand funding against your account. For fixed-term CAPEX financing, the Business Installment Loan offers unsecured funding with predictable instalments. For broader working capital and debt consolidation, the Business Term Loan delivers enhanced flexibility, top-up, and buy-out options. Retail businesses accepting cards can leverage the Business Loan against POS for financing tied to sales proceeds.

Features

Product Suite Overview

Facility Name	Purpose	Maximum Facility	Tenor	Collateral Requirement
Business Overdraft	Day-to-day cash-flow; emergency funding	Up to AED 1,000,000¹	Revolving (annual review)	Unsecured up to limit; lien on account
Business Installment Loan	CAPEX: equipment, furniture, machinery; working capital	Up to AED 2,000,000²	12–48 months	None (unsecured)
Business Term Loan	Working capital; CAPEX; debt consolidation	AED 1,000,000 (new) AED 2,000,000 (top-up/buy-out)³	Up to 48 months	None (unsecured credit limit)
Business Loan against POS	Financing tied to Point-of-Sale or payment gateway proceeds	Up to AED 1,000,000	Up to 48 months	Assignment of POS receivables

¹ Subject to credit assessment.
² No collateral or security requirement.
³ Top-up and buy-out available after 12 months’ satisfactory performance.

Interest Rates & Charges

All CBD business loans feature fixed interest rates under CBD’s fair pricing commitment, locked for the loan tenor. Overdrafts incur annual interest on debit balance only.

Facility	Interest Structure	Interest Rate	Processing & Other Fees
Business Overdraft	Interest on utilized debit balance	As per prevailing CBD policy⁴	Overdraft setup: AED 105 Late-payment penal charge: 2% p.a. on overdue (min AED 50, max AED 200)
Business Installment Loan	Fixed-rate reducing balance	As per prevailing CBD policy⁴	Processing fee: 2.5% of loan amount Early settlement: per policy⁴
Business Term Loan	Fixed-rate amortizing instalments	As per prevailing CBD policy⁴	Processing fee: 2.5% of loan amount Early settlement: per policy⁴
Business Loan against POS	Fixed-rate amortizing instalments	As per prevailing CBD policy⁴	Processing fee: 1.5% of loan amount Early settlement: per policy⁴

All fees and rates exclude 5% VAT.

Eligibility Criteria

Business entity registered and operating in the UAE (trading, manufacturing, professional, or services).
Minimum operating history:
- Overdraft & POS Loan: ≥ 1 year
- Installment & Term Loans: ≥ 2 years
Minimum annual turnover: AED 2 million.
Relationship with CBD or any UAE bank for ≥ 6 months, maintaining a minimum balance of AED 40 000.
Applicant age: 25–65 years during loan tenor.

Documents Required

Completed CBD Business Loan application form.
Valid Trade License and Commercial Registration certificate.
Memorandum & Articles of Association; board resolution authorizing finance (for corporates).
Six months of business bank statements.
Audited financial statements (not required for Installment Loan; available on request for Term Loan).
Emirates ID, passport, and UAE visa copies of owners/directors.
POS Merchant agreement (for POS Loan).
Board resolution or power of attorney for corporate borrowing.

Additional Info

Flexible Access: Overdraft auto-replenishes; interest only on used amounts.
Unsecured Funding: No collateral required up to AED 2 million for term facilities.
Fixed-Rate Certainty: Predictable instalments for budgeting.
Rapid Turnaround: Credit decisions within 48 hours for most facilities.
Top-Up & Buy-Out: Increase limits or transfer existing loans after 12 months at no extra cost.
Seamless Digital Management: Drawdowns, repayments, and servicing via CBD Business Online and Mobile App.
Dedicated Relationship Management: Expert advisory from application through disbursement and beyond.