Minimum Salary
0,00 د.إ
For SMEs requiring short-term working capital, the Business Overdraft is optimal. For fixed-term financing—CAPEX or expansion—the Business Term Loan delivers predictable instalments. Equipment Finance supports asset acquisition, while Trade Finance and Receivables Financing underpin import/export cycles and invoice liquidity.
Facility Name | Purpose | Maximum Facility | Tenor | Collateral / Security |
Business Overdraft | Day-to-day liquidity, payroll, inventory | AED 2 million¹ | Revolving (annual review) | Unsecured up to limit; lien on current account |
Business Term Loan | CAPEX, expansion, debt consolidation | AED 5 million² | 12–60 months | Unsecured up to AED 500K; asset pledge above |
Equipment Finance | Purchase of machinery, vehicles, ICT | AED 5 million³ | 12–60 months | Asset pledge |
Receivables Financing | Immediate liquidity against invoices | 90% of invoice value | Invoice term (up to 180 days) | Assignment of receivables |
Trade Finance | Letters of Credit, Guarantees, Documentary Collections | As required | Per trade cycle | Cash margin or receivables charge |
¹ Subject to credit assessment.
² Up to AED 500K unsecured; above secured by assets or guarantees.
³ Based on asset value; includes equipment insurance.
All rates and fees exclude 5% VAT.
Facility | Rate Structure | Interest / Profit Rate | Key Fees |
Business Overdraft | Floating; EIBOR + margin | EIBOR + 2.5%–3.5% | Arrangement: 0.5% of limit (min AED 500)
Late payment: 2% p.a. on overdue |
Business Term Loan | Fixed-rate or EIBOR + margin | 7.0%–12.0% p.a. | Processing: 1.0% of amount (min AED 500)
Early settlement: 1.0% of outstanding |
Equipment Finance | Fixed-rate or lease rental | 6.5%–10.0% p.a. | Processing: 1.0% of financed amount
End-of-lease: 1% of residual |
Receivables Financing | Discount yield | 1.5%–3.0% of invoice value | Discount fee: variable
Service: AED 100 per invoice |
Trade Finance | Documentary fees | 0.125%–0.30% pm of LC value | Issuance: 0.25% of amount (min AED 500)
Amendment: AED 200 |
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