Minimum Salary
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Investbank specializes in customized corporate and commercial lending rather than standard packaged SME loans. Businesses seeking conventional term loans or working capital lines should consider retail/commercial banks; Investbank excels in tailored overdrafts, decreasing‐balance term facilities, bridging loans, discounted promissory notes, and structured trade finance aligned to specific cash flows and project structures.
Facility Type | Purpose | Tenor | Security |
Overdraft Account | Day-to-day liquidity, cash‐flow smoothing | Revolving (annual review) | Unsecured up to limit; lien on current account |
Decreasing‐Balance Term Loan | CAPEX, expansion, working capital | 12–60 months | Unsecured or asset‐pledge by request |
Bridging Loan | Short‐term gap financing for receivables or assets | Up to 12 months | Assignment of receivables or collateral |
Discounted Promissory Notes | Immediate cash against issued notes | Up to 6 months | Promissory note discount |
Structured Trade Finance Solutions | Import/Export LCs, guarantees, receivables discount | Per trade cycle | Cash margin or receivables assignment |
Investbank’s pricing is deal-specific. Indicative market‐aligned parameters include:
Charge Type | Indicative Range |
Arrangement/Processing Fee | 0.25%–1.00% of facility amount |
Commitment Fee (revolvers) | 0.10%–0.30% p.a. on undrawn line |
Interest/Margin (Decreasing Loan) | EIBOR + 250–400 bps |
Early Settlement Fee | 0.50%–1.00% of outstanding principal |
Late‐Payment Penalty Interest | 2.00% p.a. on overdue amounts |
Discount Margin (Promissory Notes) | 1.00%–3.00% of face value |
Documentary Credit Fees | 0.15%–0.30% of credit amount |
All fees and margins exclude 5% VAT.
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