Commercial Financing
Commercial Financing
Commercial Financing Dubai, UAE
Get fast and flexible business financing to grow your company in Dubai. From term loans to equipment financing, banks offer competitive rates, quick approvals, and packages for SMEs and corporations. Borrow up to AED 7 million with low collateral and repayment terms up to 60 months.
What is Commercial Financing?
Commercial financing is a way for businesses to get the money they need to grow without using their own cash reserves. It can help companies expand operations, purchase equipment, or cover short-term cash flow needs. This type of financing allows businesses to act on new opportunities quickly and keep operations running smoothly.
Dubai offers a business-friendly environment with a strong banking sector, making it easier for small and medium enterprises as well as entrepreneurs to access commercial financing. Banks and financial institutions provide a range of loan options with competitive rates and efficient approval processes. This support helps businesses plan and invest with confidence while managing their finances responsibly.
Using commercial financing, companies can scale efficiently and take on new projects without worrying about immediate cash constraints. It also provides flexibility in day-to-day operations, ensuring that businesses can stay competitive in the market. With access to the right capital, companies can seize growth opportunities and maintain steady progress in a dynamic business environment.
Types of Commercial Loans
Term Loans
Fixed-rate loans for expansion with repayment up to 60 months and amounts up to AED 3 million.
Working Capital Loans
Short-term financing for payroll, inventory, rent supporting cash flow during growth phases.
Equipment Financing
Loans for machinery, vehicles, or equipment with asset as collateral reducing borrowing costs.
Commercial Property
Finance property purchase for up to 70% value with tenures to 20 years available.
Fleet Financing
Loans for commercial vehicles with up to 90% financing for business transport operations.
Invoice Financing
Borrow against unpaid invoices for immediate working capital access with quick processing.
Required Documentation for Financing
01.Business Documents
Trade license (original/attested). MOA/AOA. Commercial registration from DED/FZA. Board Resolution authorizing loan. Share certificates or ownership documentation. Certificate of good standing.
02.Financial Documents
6-12 months bank statements (personal & business). Audited financials (2 years). VAT certificate and tax returns. Profit & loss and balance sheets. Bank reference letter from current institution.
03.Identity & Address
Valid passport with UAE visa page for all shareholders. Emirates ID or residence certificate. Business address proof: tenancy contract. Residential proof for shareholders: utility bill or bank statement.
04.Employment Data
Complete employee list from Ministry of Labour. Organizational chart showing management structure. Employment contracts for key managers. Salary information and payroll records. Professional qualifications of directors.
Top UAE Banks for Commercial Financing Loans
| Bank | Max Loan (Indicative) | Tenure (Up to) | Processing Fee (Indicative) | Approval Speed (Typical) |
|---|---|---|---|---|
RAKBANK | AED 3M (SME loan) | 60 months | ~2.5% | ~48 hours for complete files |
Emirates NBD | AED 7M (SME/term finance) | 60 months | ~2.5% | ~48 hours for small business |
CBD | AED 1–2M (business term loan) | 48 months | ~2.5% | ~48 hours for eligible SMEs |
FAB | AED 5M (SME growth/term loans) | 60 months | ~2.75% | 3–5 working days |
DIB | AED 2–4M (Al Islami business finance) | 36–60 months | ~2.5% | ~48 hours for qualified clients |
ADCB | AED 250K–3M (business loans) | 60 months | ~2.5% | Fast approval for SME segment |
Mashreq / NeoBiz | AED 4–10M (secured/SME loans) | 48–60 months | ~2.5–3% | Often 48–72 hours for SMEs |
HSBC | Up to AED 4.5M (business finance) | 48–60 months | ~2.5–3% | Several working days after full docs |
Commercial Financing Made Easy
We connect you with UAE's top-rated banks offering flexible financing up to AED 7 million. Our expert team secures fast 48-hour approvals and competitive rates for expansion, equipment, or working capital needs.
We handle documentation, bank coordination, and compliance, letting you focus on growth. With minimal collateral and repayment flexibility to 60 months, we ensure your business preserves cash flow.
Rely on our trusted banking partners to provide secure, clear, and fast business financing designed for your growth.
Commercial Financing Made Easy
We connect you with UAE's top-rated banks offering flexible financing up to AED 7 million. Our expert team secures fast 48-hour approvals and competitive rates for expansion, equipment, or working capital needs.
We handle documentation, bank coordination, and compliance, letting you focus on growth. With minimal collateral and repayment flexibility to 60 months, we ensure your business preserves cash flow.
Rely on our trusted banking partners to provide secure, clear, and fast business financing designed for your growth.
Secure Your Business Loan Today
Expert guidance on financing options. Fast approvals and competitive rates. Apply now.