Working Capital Loans UAE — Keep Your Business Moving
Revolving credit lines and overdrafts up to AED 3M from 20+ UAE banks — no fixed collateral, disbursement in 3–5 days, sorted by rate, tenor and eligibility.
Top working capital offers right now in UAE
Compare the latest business loan offers from leading UAE banks, tailored to your business.
Working capital finance covers the day-to-day costs of running a UAE business — payroll, inventory, supplier payments, and seasonal cash-flow gaps — whether through a short-term overdraft to bridge a payment shortfall or a revolving credit line to fund seasonal peaks. Banks such as Emirates NBD, CBD, and Mashreq assess facilities on your average monthly bank statement turnover over the previous 12 months, typically offering 10–20% of your annual turnover. Eligibility requires an active UAE trade licence, at least 12 months of operating history, and a clean Al Etihad Credit Bureau (AECB) report. FinanceMarket.ae pre-qualifies your business profile against multiple lenders to return only the facilities you can realistically obtain.
- Revolving credit & overdraft facilities
- No fixed asset collateral required
- Tenor up to 12 months, renewable
- Disbursement within 3–5 business days
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.