Our Services

Lenders in UAE (Banks and FIs) provide business loans/ finance to support your growing business
needs such working capital requirements, capex, business expansions etc. Before you apply for a
business loan you need to know all the options available to business loan such as cash loan, short
term loan, unsecured loan and secured loan.
If you own a business and you have successfully completed 1 year in business (from date of
involvement as per legal documents), with a minimum turnover of AED 1 million per annum, you are
eligible for business loan. At Credfix, we study your complete profile and provide you with the best
solutions that suits your requirements at best possible costs. Below are the initial documents
required to start the process and more documents may require at further processing stages.

Secure Your Business’s Future with a Business Loan in the UAE

Growing your business requires strategic financial support. In the dynamic market of the UAE, obtaining the right business loan or working capital finance is crucial for expansion, managing cash flow, and seizing new opportunities. At Credfix, we understand the unique challenges faced by micro-SMEs and established enterprises in Dubai and across the UAE.

Why You Need an Expert for Your Business Loan Application

Navigating the world of business finance in the UAE can be complex. With various lenders—from local and foreign banks to NBFCs—offering different products, choosing the right solution can be a challenge.

1. Multiple Loan Options: The market offers a range of unsecured business loans, including SME business loans, trade finance, Islamic finance, asset finance, short-term loans, and POS loans. We help you cut through the confusion to find the best fit for your specific needs.
2. Varying Terms & Conditions: Interest rates, processing fees, loan tenure, and hidden charges can vary drastically. These are based on factors like your business’s history, AECB credit report, business model, and revenue. We provide professional consultation to ensure you get the most favourable terms.
3. Insufficient Loan Amount: The loan amount offered by a bank may not be enough to meet your company’s full needs. We help you explore options to secure the necessary funds.
4. Documentation & Delays: Missing or incorrect documents can lead to significant delays or even outright rejection of your application. We guide you through the business loan documentation process to ensure a seamless and fast application.
5. Lack of a Strong Business Plan: Lenders need to see a solid expansion proposal or business plan. We help you present your business in the best possible light to secure approval.

Are You Eligible for a Business Loan in the UAE?

If your business is in the UAE, has been operational for at least one year (from the trade license issue date), and is VAT registered, you are likely eligible for a business loan.

To help you navigate your options, here are some of the leading banks and NBFCs in the UAE that provide financing for SME clients:

How Credfix Helps You Get a Business Loan

At Credfix, we do more than just connect you with a lender. We provide a detailed analysis of your company’s profile to offer tailored solutions that meet your goals. We assist you from the very beginning of the process to the final approval, ensuring a smooth and efficient experience.

Documents Required for a Business Loan Application

To get started with your business finance application, please have the following documents ready:

• Complete Trade License
• Memorandum of Association with all amendments/Service Agency Contract/Partnership Agreement/ Board Resolution /POA etc.
• Passport, Visa, and Emirates ID of all partners
• Local sponsor’s passport and EID (if applicable)
• Bank statements from all bank accounts for the last one year
• Tenancy contract for your office, warehouse, or shop
• VAT certificate and reports with payment receipts for the last 4 quarters
• Recent purchase and sales invoices, and running contracts/LPOs
• Latest office telephone bill
• Staff list and WPS receipt (salary payment proof) for the last 3 months
• Offer letters for any existing loans or facilities from other banks/FIs
• Trade licenses of any sister companies