Commercial Real Estate Finance UAE — Offices, Warehouses & Retail
Commercial mortgages up to 70% LTV over tenures to 25 years for offices, warehouses and retail — underwritten on business cash flow and rental yield, conventional or Islamic.
Top commercial property finance offers right now in UAE
Compare the latest business loan offers from leading UAE banks, tailored to your business.
UAE commercial real estate finance lets businesses purchase or refinance offices, warehouses, retail units, labour accommodation, and mixed-use developments. Banks such as Emirates NBD and FAB offer commercial mortgages with LTV up to 70% for owner-occupiers and up to 60% for investment properties, over tenures of up to 25 years. Unlike residential mortgages, the facility is underwritten on both the business cash flows and the property’s rental yield or market value — giving well-established UAE companies access to larger facilities than pure income-based lending would allow. Eligibility depends on profitability (typically 2+ years of audited accounts), a valuation by a bank-approved RICS-certified valuer, and the LTV requested; for investment properties, rental income must usually cover at least 130% of the monthly repayment. Free-zone companies may face additional constraints on property ownership outside their zone — FinanceMarket.ae maps the commercial mortgage market and advises on jurisdiction-specific eligibility so you can compare lenders, LTV thresholds, and profit rates in one step.
- Up to 70% LTV for owner-occupied commercial assets
- Tenures up to 25 years
- Offices, warehouses, retail, labour accommodation
- Islamic and conventional commercial mortgages
Explore Property & Commercial Real Estate options
Choose the right product for your trade — compare matching offers from leading UAE banks.
Land Finance
Acquire industrial, commercial & investment plots across all 7 emirates.
Construction Finance
Project-staged drawdowns tied to BoQ milestones for ground-up builds.
Warehouse Finance
Buy or build logistics & light-industrial assets near Jebel Ali & KIZAD.
Commercial Mortgage
Long-term finance for shops, offices and mixed-use income property.
Commercial Property Refinance
Switch to a lower rate or release equity from an appreciated CRE asset.
Developer Finance
Multi-tranche senior & mezzanine structures for larger developments.
Documents Required to Apply for a Business Loan in Dubai, the UAE
Pick your profile below — the checklist differs by applicant type.
- Valid Trade Licence (Mainland / DED)
- Memorandum of Association (MOA) & Share Certificates
- Chamber of Commerce registration certificate
- Office tenancy contract / Ejari
- Company profile and website
- 6–12 months company bank statements
- Audited financial statements for the last 2 years
- VAT certificate and VAT returns for the last 4 quarters
- Sample invoices and purchase orders (POs)
- Emirates ID & passport copies of all owners / partners
- UAE residence visa copies of owners / partners
- AECB credit report
- Post-dated cheques / collateral where applicable
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Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.