Minimum Salary
0,00 د.إ
For short-term liquidity, the Business Overdraft (Platinum Overdraft) provides on-demand Shari’a-compliant funding. For fixed-term asset or project financing, choose Murabaha Business Finance or Ijarah Asset Finance. For medium-term working-capital and trade cycles, Working-Capital Finance and Trade Finance offerings deliver tailored structures.
Facility Name | Purpose | Maximum Facility | Tenor | Structure & Collateral |
Business Overdraft | Day-to-day cash flow, payroll, inventory | AED 2 million¹ | Revolving (annual renewal) | Unrestricted; lien on current account balances |
Murabaha Business Finance | CAPEX, expansion, fixed-term funding | AED 10 million² | 6–60 months | Murabaha sale; asset pledge or guarantee |
Ijarah Asset Finance | Lease of machinery, vehicles, equipment | AED 8 million³ | 12–84 months | Ijarah lease; asset ownership pledged |
Working-Capital Finance | Raw materials, inventory, receivables financing | AED 5 million⁴ | Up to 12 months | Receivables assignment or inventory lien |
Trade Finance | Letters of Credit, Guarantees, Documentary Collections | AED 10 million⁵ | Per trade cycle | Cash margin or charge over receivables |
¹ Subject to client credit profile; unsecured up to limit.
² Credit assessment and collateral dictate size.
³ Based on asset valuation; lease-to-own option available.
⁴ Revolving credit, renewable quarterly.
⁵ Per transaction limits vary by product type.
All fees and rates exclusive of 5% VAT.
Profit / Rental Rates
Facility | Rate Structure | Indicative Rate Range |
Business Overdraft | Tawarruq financing on drawn balance | EIBOR + 2.00%–3.00% margin |
Murabaha Business Finance | Cost-plus sale (fixed profit) | 7.00%–10.00% p.a. |
Ijarah Asset Finance | Lease rental (fixed) | 6.50%–9.50% p.a. |
Working-Capital Finance | Commodity Murabaha | EIBOR + 2.25%–3.25% margin |
Trade Finance | Wakalah / Murabaha fees | 0.125%–0.30% pm of value |
Schedule of Fees
Fee Type | Charge |
Processing / Arrangement Fee | 1.00% of facility amount (min AED 500; max AED 2,500) |
Takaful (Credit Insurance) | 0.50%–1.00% of outstanding balance annually |
Early Settlement / Prepayment Fee | 1.00% of outstanding balance (max AED 10,000) |
Installment Deferment Fee | AED 150 per deferment |
Late-Payment Charity Contribution | AED 100 per missed installment |
Drawdown Amendment / Rescheduling Fee | AED 200 per amendment |
Liability / No-Objection Letter | AED 200 |
Asset Valuation / Property Inspection | AED 2,000 per request |
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