A working capital loan provides short-term funding to cover daily operational expenses like payroll, inventory, or rent. It's ideal for UAE businesses facing cash flow gaps, seasonal demand fluctuations, or growth opportunities that require quick liquidity.

Loan amounts depend on your business's revenue, financial health, and needs. Our partner lenders offer flexible limits, typically ranging from AED 50,000 to AED 5 million, with customized solutions for small to medium-sized enterprises (SMEs).

Key requirements include:

• Business longevity: A minimum of 6-12 months of operation (which varies by lending bank).
• Monthly revenue: Proof of consistent turnover and income (e.g., bank and VAT statements).
• Credit worthiness: Your personal and business credit history may be reviewed by the lending bank.

Key documents required by lending banks include:

• Trade license and company registration (e.g., mainland or free zone).
• 6-12 months of business bank statements.
• Financial statements (if audited).
• Emirates ID and passport of owners/partners.

Approvals take as little as a few days for complete applications. Disbursement occurs within 3-5 business days post-approval, depending on the lending bank.

Not always! We facilitate both secured and unsecured loan options. Unsecured loans may require higher credit scores or revenue thresholds, while secured loans use assets (e.g., property, equipment) to achieve lower rates.