Investbank (UAE) Business Financing

Minimum Salary
0,00 د.إ

Description

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.

Features

  1. Product Suite Overview
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

 

  1. Indicative Pricing & Charges

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.

  1. Eligibility Criteria
  • Business Tenure: Minimum 2 years of UAE operations.
  • Turnover: No fixed floor; subject to facility type and risk assessment.
  • Corporate Profile: Established LLCs, branches, and Free Zone entities in permissible sectors.
  • Credit Record: Clean internal and external bureau history.
  • Security: Depending on facility, may require corporate guarantee or specific collateral.

Documents Required

  1. Completed Investbank commercial finance application form.
  2. Valid Trade License and Commercial Registration certificate.
  3. Memorandum & Articles of Association; board resolution for borrowings.
  4. Audited financial statements (last 2 years) and management accounts.
  5. Six months’ business bank statements.
  6. Emirates ID, passport, and UAE visa copies of authorized signatories.
  7. Collateral documentation (e.g., asset titles, receivables assignments) as applicable.
  8. For promissory-note facilities, original promissory note instruments.

Additional Info

  • Customized Structuring: Terms and security tailored to cash-flow patterns and project cycles.
  • Digital Trade Platform: Online issuance and tracking of LCs, guarantees, and receivables.
  • Rapid Turnaround: Streamlined credit decision for established clients.
  • Flexible Repayment: Decreasing‐balance schedules, bullet or amortizing options.
  • Dedicated Relationship Management: Specialist RMs provide hands-on support and advisory.
  • Integrated Cash Management: Combined with online collections, payments, and multicurrency capabilities.

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