SME Lending Solutions

Comprehensive business financing for small and medium enterprises. Access working capital, equipment financing, and growth funding with competitive rates and flexible terms.

SME Lending Benefits

• Fast approval (24 hours - 14 days)
• Competitive interest rates from 4%
• Flexible repayment terms
• Minimal collateral requirements
• Digital application process
• Expert business advisory

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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Last Updated: October 2025

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

By using this information, you acknowledge that you have read and understood this disclaimer and agree to use the information at your own risk and discretion.

SME Lending Products

Working Capital Loans

Short-term financing to manage daily operational expenses and cash flow

Loan Amount:

AED 50K - 10M

Tenure:

3-36 months

Interest Rate:

4-12% annual

Processing:

3-7 days

Collateral:

Minimal security required

Commission:

3-5% of loan amount

Ideal For:

Cash flow management, inventory, operational expenses

Term Loans

Medium to long-term business expansion and growth financing

Loan Amount:

AED 100K - 25M

Tenure:

1-7 years

Interest Rate:

6-15% annual

Processing:

7-14 days

Collateral:

Property/asset mortgage

Commission:

2-4% of loan amount

Ideal For:

Business expansion, acquisition, major investments

Equipment Financing

Specialized financing for machinery, vehicles, and equipment purchase

Loan Amount:

AED 25K - 15M

Tenure:

6 months - 5 years

Interest Rate:

5-10% annual

Processing:

5-10 days

Collateral:

Equipment serves as security

Commission:

2.5-4.5% of loan amount

Ideal For:

Machinery purchase, vehicle fleet, technology upgrades

Invoice Factoring

Immediate cash flow by selling outstanding invoices at a discount

Loan Amount:

AED 10K - 5M

Tenure:

30-120 days

Interest Rate:

8-18% annual

Processing:

1-3 days

Collateral:

Invoice receivables

Commission:

4-8% of invoice value

Ideal For:

Immediate cash flow, credit sales businesses

Trade Finance Loans

Import/export financing and letters of credit facilities

Loan Amount:

AED 100K - 50M

Tenure:

30 days - 2 years

Interest Rate:

3-8% annual

Processing:

5-12 days

Collateral:

Cargo/shipment security

Commission:

1.5-3% of facility amount

Ideal For:

Import/export businesses, international trade

Overdraft Facilities

Flexible credit line attached to business current account

Loan Amount:

AED 25K - 2M

Tenure:

Revolving facility

Interest Rate:

8-16% annual

Processing:

3-5 days

Collateral:

Cash margin or guarantee

Commission:

1-2% arrangement fee

Ideal For:

Seasonal businesses, flexible funding needs

Top SME Lenders Comparison

Emirates NBD

5/5

85% approval

Comprehensive SME Banking

Products:

Working Capital

Term Loans

Equipment Finance

Loan Range:

AED 50,000 - AED 25M

Best Rate:

4.5% onwards

Processing:

3-10 days

Commission:

2-4% loan amount

Features:

SME digital platform
Quick approval
Flexible terms

FAB (First Abu Dhabi Bank)

4.8/5

80% approval

Growth & Expansion Financing

Products:

Term Loans

Project Finance

Asset Finance

Loan Range:

AED 100,000 - AED 50M

Best Rate:

4% onwards

Processing:

5-15 days

Commission:

2.5-4.5% loan amount

Features:

Industry expertise
Large ticket financing
Relationship banking

ADCB

4.7/5

82% approval

SME Digital Lending

Products:

Business Express Loans

Working Capital

Equipment Finance

Loan Range:

AED 25,000 - AED 10M

Best Rate:

5% onwards

Processing:

2-7 days

Commission:

2.8-5% loan amount

Features:

Digital onboarding
Fast approval
Competitive rates

Mashreq Bank

4.9/5

88% approval

SME Neo Business Solutions

Products:

Neo Business Loans

SME Finance

Trade Solutions

Loan Range:

AED 30,000 - AED 15M

Best Rate:

4.2% onwards

Processing:

1-5 days

Commission:

2.2-4.2% loan amount

Features:

AI-powered lending
Same-day approval
Neo platform

CBD Now

4.6/5

75% approval

Digital-First SME Lending

Products:

Instant Business Loans

Working Capital

Invoice Financing

Loan Range:

AED 20,000 - AED 5M

Best Rate:

6% onwards

Processing:

24 hours

Commission:

3-6% loan amount

Features:

100% digital
Instant approval
Minimal documentation

Loan Eligibility Criteria

Criteria	Minimum Requirement	Preferred	Notes
Business Age	6-24 months operational	2+ years in business	Varies by loan type and amount
Annual Turnover	AED 500K - 2M	AED 2M+ annual revenue	Based on loan amount requested
Credit Score	600+ AECB score	750+ excellent rating	Higher scores get better rates
Bank Statements	6 months statements	12+ months history	Shows cash flow patterns
Financial Records	Management accounts	Audited financials	Professional statements preferred
Security/Collateral	Personal guarantee	Property/asset mortgage	Reduces interest rates

Criteria	Minimum Requirement	Preferred	Notes
Business Age	6-24 months operational	2+ years in business	Varies by loan type and amount
Annual Turnover	AED 500K - 2M	AED 2M+ annual revenue	Based on loan amount requested
Credit Score	600+ AECB score	750+ excellent rating	Higher scores get better rates
Bank Statements	6 months statements	12+ months history	Shows cash flow patterns
Financial Records	Management accounts	Audited financials	Professional statements preferred
Security/Collateral	Personal guarantee	Property/asset mortgage	Reduces interest rates

Loan Application Process

Eligibility Check

Same day

Verify loan eligibility and documentation requirements

Business licenseBank statementsFinancial records

Application Submission

1-2 days

Complete loan application with required documents

Application formSupporting documentsBusiness plan (if required)

Credit Assessment

2-5 days

Bank evaluates creditworthiness and business viability

Credit bureau checkFinancial analysisSite visit (if applicable)

Approval & Terms

1-3 days

Loan approval with final terms and conditions

Approval letterLoan agreementSecurity documentation

Documentation & Disbursement

1-2 days

Complete legal formalities and receive funds

Signed agreementsSecurity executionAccount setup

Required Documentation

Business Documents

âœ“Valid trade license (original + copy)
âœ“Memorandum & Articles of Association
âœ“Partnership deed (if applicable)
âœ“Board resolution for loan
âœ“Power of attorney (if required)
âœ“VAT registration certificate
âœ“Professional license (if applicable)

Financial Documents

âœ“Audited financial statements (2 years)
âœ“Management accounts (latest)
âœ“Bank statements (6-12 months)
âœ“Cash flow projections
âœ“Business plan & projections
âœ“Tax returns/assessments
âœ“Accountant's certificate

Personal Documents

âœ“Emirates ID (all partners/directors)
âœ“Passport copies with visa
âœ“Salary certificates (guarantors)
âœ“Personal bank statements
âœ“AECB credit report
âœ“No objection certificate
âœ“Personal financial statements

Collateral Documents

âœ“Property title deeds
âœ“Property valuation report
âœ“Insurance policies
âœ“Equipment purchase invoices
âœ“Vehicle registration (if applicable)
âœ“Fixed deposit receipts
âœ“Corporate/personal guarantees

Equipment FinancePractice LoansWorking Capital

Quick Loan Calculator

Calculate Your Loan

Loan Amount (AED)

Range: AED 25K - 50M

Loan Tenure

3 months - 7 years

Interest Rate

Starting from 4% annual

Sample Calculations

AED 500K @ 6% for 3 years

Monthly EMI: ~AED 15,200

AED 1M @ 8% for 5 years

Monthly EMI: ~AED 20,300

Why Choose Professional SME Lending?

Growth & Expansion

• Scale business operations quickly
• Invest in new equipment and technology
• Expand to new markets and locations
• Increase working capital for growth

Financial Flexibility

• Preserve business cash reserves
• Manage seasonal cash flow variations
• Take advantage of bulk purchase discounts
• Maintain healthy working capital ratios

Competitive Advantage

• Access to latest technology and equipment
• Ability to respond to market opportunities
• Build business credit history
• Tax benefits on business loan interest

Ready to Fuel Your Business Growth?

Access competitive SME lending solutions tailored for your business needs. Get fast approvals, flexible terms, and expert support to grow your enterprise.