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SME BUSINESS LOANS
SME Loans in UAE — Fast Finance for Small Business
Unsecured SME loans up to AED 2M from 20+ UAE banks — minimal collateral, same-week pre-approval, Islamic or conventional.
TOP BUSINESS LOAN OFFERS
Top SME loan offers right now in UAE
Compare the latest business loan offers from leading UAE banks, tailored to your business.
SME Loan
6.99% p.a.Reducing
Max AmountAED 2M
CollateralNo
HIGH LIMIT
Term Loan
6.75% p.a.Reducing
Max AmountAED 10M+
CollateralYes
SHARIA
Islamic Business Loan
5.95% profitProfit
Max AmountAED 5M
CollateralFlexible
Working Capital
7.50% p.a.Reducing
Max AmountAED 3M
CollateralNo
Commercial Finance
6.90% p.a.Reducing
Max AmountAED 15M
CollateralYes
SME Loans
An SME loan in the UAE typically requires 1–2 years of trading history, a valid trade licence, and business bank statements. Most banks set a minimum annual turnover of AED 1 million for unsecured facilities. FinanceMarket.ae submits a single eligibility profile on your behalf, screening it against every participating UAE bank — protecting your credit score from unnecessary hard inquiries.
- Up to AED 2M — no collateral required
- Rates from 6.75% p.a. (reducing)
- Fast approval for 2+ years trading history
- Compare Islamic and conventional options
DOCUMENTS REQUIRED
Documents Required to Apply for a Business Loan in Dubai, the UAE
Pick your profile below — the checklist differs by applicant type.
ACompany & Trade Identity
- Valid Trade Licence (Mainland / DED)
- Memorandum of Association (MOA) & Share Certificates
- Chamber of Commerce registration certificate
- Office tenancy contract / Ejari
- Company profile and website
BFinancials & Banking
- 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)
COwner & Security
- Emirates ID & passport copies of all owners / partners
- UAE residence visa copies of owners / partners
- AECB credit report
- Post-dated cheques / collateral where applicable
LOAN CALCULATOR
Size up your monthly repayment
FAQ
Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.