Banking & Finance Solutions 2025

Comprehensive banking and finance services for UAE businesses including business banking, trade finance, SME lending, and corporate financing from leading financial institutions.

Banking Network

Partner Banks45+
Branches Network730+
Accounts Opened25,000+
Loan Approvals95%
Last Updated: October 2025
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Information Only:

This information is for educational and informational purposes only. Content is based on research and available information as of the last updated date and may not reflect the most current developments, regulations, or best practices.

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Professional Advice:

Banking and financial information is subject to change. Contact banks directly for current offers, rates, and requirements. This is not financial advice.

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Last Updated: October 2025

Information current as of this date. Please verify for any updates or changes.

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Banking & Finance Categories 2025

Business Banking

Complete business banking solutions and account opening services

Key Services:

Business accountsCorporate bankingDigital bankingPayment solutionsMulti-currency accounts
15 Banking PartnersCommission: 0.5-2% of deposits
AED 500 - 5,000 setup

Typical cost range

Trade Finance

International trade financing and documentary credit services

Key Services:

Letters of CreditBank guaranteesTrade financingDocumentary collectionsSupply chain finance
12 Banking PartnersCommission: 10-25% of fees
0.5-3% of transaction

Typical cost range

SME Lending

Small and medium enterprise financing and loan solutions

Key Services:

Term loansWorking capitalEquipment financingInvoice factoringCredit facilities
18 Banking PartnersCommission: 0.25-1% of loan amount
AED 100K - 50M

Typical cost range

Leading Banking Partners

Emirates NBD

Business Term Loan

Flexible repayment terms

★4.8

Specialties:

Flexible repayment termsCompetitive interest ratesQuick approval processNo collateral required up to AED 1M
Interest Rate:4.5-8%
Max Loan:AED 50.0M
Processing Fee:1% processing fee
Contact:+971 4 316 0316

ADCB (Abu Dhabi Commercial Bank)

SME Business Loan

Tailored for SMEs

★4.7

Specialties:

Tailored for SMEsDigital application processDedicated relationship managerGrace period options
Interest Rate:5-9%
Max Loan:AED 25.0M
Processing Fee:1.25% processing fee
Contact:+971 2 621 2030

First Abu Dhabi Bank (FAB)

Business Growth Loan

Lowest processing fees

★4.9

Specialties:

Lowest processing feesExtended tenure optionsRelationship banking benefitsWorking capital solutions
Interest Rate:4.25-7.5%
Max Loan:AED 75.0M
Processing Fee:0.75% processing fee
Contact:+971 2 311 4444

Dubai Islamic Bank

Sharia-Compliant Business Financing

100% Sharia compliant

★4.6

Specialties:

100% Sharia compliantProfit-sharing structureEthical banking principlesIslamic finance expertise
Interest Rate:5.5-9.5%
Max Loan:AED 30.0M
Processing Fee:1.5% processing fee
Contact:+971 4 503 0000

Mashreq Bank

Entrepreneur Loan

Startup-focused lending

★4.7

Specialties:

Startup-focused lendingFlexible documentationBusiness advisory servicesDigital banking solutions
Interest Rate:6-10%
Max Loan:AED 15.0M
Processing Fee:1.75% processing fee
Contact:+971 4 424 4444

RAKBANK

Business Express Loan

Quick approval (48 hours)

★4.7

Specialties:

Quick approval (48 hours)Minimal documentationCompetitive for smaller loansRelationship banking
Interest Rate:7-12%
Max Loan:AED 5.0M
Processing Fee:2% processing fee
Contact:+971 4 213 0000

Business Banking Services

Business Account Opening

Requirements:

  • Trade license
  • MOA & AOA
  • Board resolution
  • Salary certificates
Processing:
3-7 days
Min Balance:
AED 3,000 - 100,000

Key Features:

Online bankingDebit cardsCheckbooksMobile app

Corporate Credit Facilities

Requirements:

  • Financial statements
  • Business plan
  • Collateral
  • Credit history
Processing:
2-6 weeks
Min Balance:
Variable

Key Features:

Overdraft facilitiesTerm loansWorking capitalEquipment finance

Trade Finance Solutions

Requirements:

  • Import/export license
  • Trade contracts
  • Insurance
  • Credit approval
Processing:
5-10 days
Min Balance:
AED 50,000+

Key Features:

Letters of CreditGuaranteesCollectionsFinancing

Treasury & FX Services

Requirements:

  • Corporate account
  • FX authorization
  • Risk assessment
  • Limits approval
Processing:
1-3 days
Min Balance:
AED 100,000+

Key Features:

Currency exchangeHedgingForward contractsMoney market

Alternative Financing Options

Personal Savings

PERSONAL FUNDING

Fund your business entirely from personal savings and assets

Advantages:

  • No interest payments
  • Full ownership control
  • No debt obligations

Suitable For:

Small startupsService-based businessesRisk-averse entrepreneurs

UAE Bank Business Loan

BANK LOAN

Traditional business loan from UAE banks with competitive rates

Advantages:

  • Retain full ownership
  • Predictable payments
  • Build business credit

Suitable For:

Established businessesAsset-heavy operationsPredictable cash flow

Angel Investors

INVESTOR FUNDING

High-net-worth individuals investing in early-stage businesses

Advantages:

  • No debt obligations
  • Business expertise and mentoring
  • Industry connections

Suitable For:

High-growth startupsTech companiesInnovative business models

Mohammed bin Rashid Innovation Fund

GOVERNMENT SCHEME

UAE government initiative supporting innovative startups

Advantages:

  • Favorable terms
  • Government backing
  • Startup ecosystem access

Suitable For:

Tech startupsInnovative venturesUAE nationals

Traditional Bank Financing

Working Capital Finance

Short-term financing to meet operational cash flow needs

Loan Amount:
AED 500K - 20M
Interest Rate:
4-8% per annum
Tenure:
6-24 months
Processing Fee:
1-2% of loan amount

Collateral Required:

Inventory, receivables, or cash collateral

Term Loans

Medium to long-term financing for business expansion and assets

Loan Amount:
AED 1M - 50M
Interest Rate:
5-10% per annum
Tenure:
2-10 years
Processing Fee:
1.5-3% of loan amount

Collateral Required:

Real estate, equipment, or corporate guarantee

Equipment Financing

Specialized financing for machinery, vehicles, and equipment purchase

Loan Amount:
AED 200K - 15M
Interest Rate:
4.5-9% per annum
Tenure:
2-7 years
Processing Fee:
1-2.5% of loan amount

Collateral Required:

Equipment being financed + additional security

Invoice Factoring

Immediate cash flow by selling receivables at a discount

Loan Amount:
AED 100K - 10M
Interest Rate:
6-12% per annum
Tenure:
30-90 days
Processing Fee:
0.5-1.5% per transaction

Collateral Required:

Invoices and underlying contracts

Digital Banking Features

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Real-time account monitoring and alerts
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Multi-user access with role-based permissions
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Bulk payment processing and scheduling
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Integrated payroll and supplier payments
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Trade finance document management
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Foreign exchange rate alerts and booking
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Cash flow forecasting and analytics
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Mobile banking and on-the-go approvals
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API integration with accounting systems
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24/7 customer support and chat assistance

Quick Eligibility Check

Instant Pre-Qualification

  • Get matched with suitable banks
  • Compare interest rates & terms
  • Understand documentation requirements
  • Get expert assistance
95%
Approval Success Rate

Business Account Opening Process

1

Initial Consultation

30 minutes - 1 hour

Description:

Assess banking needs and recommend suitable products

Requirements:

Business overview and preliminary documents

2

Documentation Preparation

1-3 days

Description:

Gather and prepare all required documents and forms

Requirements:

Complete document checklist and application forms

3

Bank Visit & Application

1-2 hours

Description:

Visit bank branch for application submission and verification

Requirements:

Original documents, authorized signatories present

4

Account Activation

1-5 days

Description:

Account setup, card issuance, and digital banking activation

Requirements:

Initial deposit and account agreement signing

Business Loan Calculator

Calculate Your Loan

Loan Comparison

Emirates NBD

4.5-8%
Max: AED 50.0M | Fee: 1%

ADCB (Abu Dhabi Commercial Bank)

5-9%
Max: AED 25.0M | Fee: 1.25%

First Abu Dhabi Bank (FAB)

4.25-7.5%
Max: AED 75.0M | Fee: 0.75%

Success Stories

AS

Ahmed Al Rashid

CEO, Dubai Tech Solutions

"Henry Club helped us secure AED 5M business loan from FAB within just 2 weeks. Their expertise in documentation and bank relationships made the process seamless."

★★★★★Verified Client
MK

Maria Kozlova

Founder, Dubai Fashion House

"The loan calculator and eligibility checker saved us hours of research. We got matched with Emirates NBD and secured favorable terms for our expansion."

★★★★★Verified Client
95%
Loan Approval Rate
AED 250M+
Loans Facilitated
2,500+
Businesses Funded

Why Choose Our Banking Partners?

Banking Excellence

  • UAE Central Bank regulated and licensed institutions
  • Comprehensive business banking solutions
  • Award-winning digital banking platforms
  • Dedicated relationship managers

Business Benefits

  • Competitive rates and fee structures
  • Fast account opening and loan approvals
  • Multi-currency and international banking
  • Tailored solutions for business growth

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