Emirates Investment Bank (EIB) Business Financing

Minimum Salary
500,00 د.إ

Flat Rate
9.9%

Reducing Rate
18%

Maximum Term
48 Months

Monthly Payment
AED 44,000

Description

Emirates Investment Bank specializes in bespoke corporate and institutional financing rather than off-the-shelf SME business loans. For standardized term-loan facilities, corporates typically partner with larger retail or commercial lenders. EIB’s core strengths lie in structured corporate finance, project funding, and asset-backed credit, with terms and pricing tailored individually.

Features

Product Suite Overview

Emirates Investment Bank does not publish a mass-market business-loan brochure. Instead, its financing solutions include:

Corporate Term Loans – Medium- to long-term funding for acquisitions, expansions, or refinancing.
Project Finance – Non-recourse or limited-recourse funding for infrastructure, energy, and real-estate developments.
Asset-Backed Lending – Financing against receivables, inventory, or fixed assets.
Syndicated & Club Finance – Large-ticket facilities underwritten and distributed across multiple banks.
Acquisition & Leveraged Finance – Structured lending to support M&A transactions.

Indicative Pricing & Charges

Since facilities are mandated and structured on a deal-by-deal basis, interest (or profit) rates, arrangement fees, and legal costs vary with:

Size of Facility: Typical total commitments from USD 25 million to USD 500 million+.
Tenor & Structure: Bullet, amortizing, or revolver facilities across 2–15 years.
Security Package: From unsecured corporate guarantees to full project collateral.
Credit Profile & Industry: Investment-grade corporates versus sponsor-backed projects.

Indicative fee framework for a USD 50 million corporate-term-loan facility might include¹:

Charge Type	Typical Range
Arrangement/Structuring Fee	0.50%–1.00% of facility amount
Commitment Fee (revolvers)	0.10%–0.25% per annum on undrawn line
Agency/Trustee Fee	USD 25,000–USD 50,000 per annum
Upfront Legal & Due Diligence Costs	USD 75,000–USD 150,000 (one-off)
Early Repayment / Cancellation Fee	1.00%–2.00% of outstanding principal

Interest margins over LIBOR/SOFR (or relevant benchmark) typically range from 150 – 300 bps for investment-grade corporates and 250 – 500 bps for leveraged or project credits.

Eligibility & Structuring Criteria

Client Profile: Large corporates, sovereign-backed entities, institutional sponsors.
Transaction Size: Minimum USD 25 million equivalent.
Rating / Credit Assessment: Internal rating or external rating (Moody’s, S&P) of BBB– or better for vanilla term loans; unrated for sponsor-backed project finance.
Sector Focus: Infrastructure, energy, real estate development, healthcare, education, and industrial.

Documents Required

Each financing includes a custom documentation package comprising:

Credit Application & Mandate Letter
Facility Agreement (term-loan or revolving-credit style)
Security Documents:
- Mortgage Deeds (real estate projects)
- Pledge Agreements (shares, receivables, inventory)
- Assignment of Contracts or Offtake Agreements
Corporate Resolutions & Board Approvals
Financial Information:
- Audited financial statements (last 3–5 years)
- Project cash-flow models (project finance)
- Business plans and budgets
Legal Opinions & Regulatory Consents (as required)

Additional Info

Tailored Structuring: EIB leverages in-house credit, legal, and tax specialists to optimize transaction economics.
Access to Syndication: Ability to form club deals or full syndications, reducing concentration risk.
Integrated Advisory: Complimentary corporate-finance advisory on M&A, debt capital markets, and risk management.
Regional Expertise: Deep knowledge of GCC regulatory regimes and sponsor relationships.
Islamic Finance Capability: Shari’a-compliant structures (Murabaha, Ijara, Sukuk) available alongside conventional loans.
Dedicated Coverage Model: Senior relationship managers and product specialists assigned to each corporate client.