Comparative Analysis of ADCB Business Loan

Minimum Salary
500,00 د.إ

Flat Rate
9.9%

Reducing Rate
18%

Maximum Term
48 Months

Monthly Payment
AED 44,000

Description

For SMEs seeking unsecured financing with low fixed interest and rapid approval, the Retail Business Loan is optimal. Businesses needing medium-term capital can leverage the Insta Loan, while larger corporates requiring longer tenors should consider Mid-Corporate Term Loans or Working Capital Enterprise Credit.

Features

Product Suite Overview

Facility Name	Purpose	Maximum Facility	Tenor	Collateral Requirement
Retail Business Loan	General business needs	AED 250,000	Up to 60 months	Unsecured
Insta Loan	Quick-access capital	AED 1,500,000	Up to 48 months	Unsecured
Mid-Corporate Term Loan	Large CAPEX; structured term financing	AED 50 million¹	1–5 years	Asset-backed
Working Capital Enterprise Credit	Short-term liquidity and trade finance	As required	Revolving (short-term)	Lien/security may apply

Subject to credit assessment and negotiation.

Interest Rates & Charges

Interest Rates

Facility	Interest Structure	Interest Rate Range (p.a.)
Retail Business Loan	Fixed-rate reducing balance	3.75% – 25.00%
Insta Loan	Floating; EIBOR + margin	EIBOR + 3.00%
Mid-Corporate Term Loan	Floating; EIBOR + margin	EIBOR + 2.50%
Working Capital Enterprise Credit	Floating; EIBOR + margin	EIBOR + 2.75%

Non-Interest Charges (Exclusive of 5% VAT)

Fee Type	Charge
Processing Fee	1.00% of loan amount (min AED 500; max AED 2,500)
Credit Life Insurance	Up to 1.00% of financed amount
Early Settlement Fee	1.00% of outstanding balance
Loan Rescheduling	AED 250
Loan Cancellation	AED 100
Instalment Deferment	AED 100 per deferment
Delayed Payment Penal Interest	2.00% of delayed amount (min AED 50; max AED 200)

Eligibility Criteria

Business Type: Sole proprietorships, partnerships, LLCs, and corporate entities registered in the UAE.
Trading History: Minimum 1 year for Retail Business Loan and Insta Loan; 2–3 years for Mid-Corporate solutions.
Annual Turnover: No specific minimum for Retail Business Loan; Mid-Corporate Term Loan typically requires AED 10 million+.
Credit Profile: Clean bank conduct and satisfactory credit history.

Documents Required

Completed ADCB Business Loan application form.
Valid trade license and Memorandum & Articles of Association.
Share certificates or ownership documents.
Audited financial statements (last 1–2 years) for loans above AED 2 million.
Six months of company and personal bank statements.
Emirates ID, passport, and UAE visa copies of signatories.
Board resolution or power of attorney authorizing the borrowing.
Collateral documents (e.g., asset title deeds, vehicle registration) if applicable.

Additional Info

Unsecured Financing: Retail Business Loan and Insta Loan offer funding without collateral up to AED 250,000 and AED 1.5 million respectively.
Fast Approval: Credit decision in as little as 24–48 hours for Retail and Insta Loans.
Flexible Repayment Options: Monthly or quarterly instalments, with options for balloon payments.
Digital Management: Full loan servicing via ADCB Online and Mobile Banking, including deferment requests.
TouchPoints Rewards: Earn TouchPoints on loan disbursements and repayments for Retail Business Loans.
Dedicated Relationship Manager: Personalized structuring and advisory support.