ADGM-licensed SME lender: revenue-based financing where repayments track monthly sales — soft approvals in 24–48 hours, no collateral or personal guarantees required per provider.
Fully digital onboarding
- Rate
- —
- Decision
- 1–2 days (soft approval)
- Sharia-compliant
- —
- Free zone
- —
Revenue-based financing: repayments are an agreed percentage of monthly sales, not fixed instalments; typically no collateral or personal guarantees. Facility terms quoted per application. Per crediblex.io, verified Oct 2026.
Term loan inside the Wio Business app: up to AED 3 million over 6–36 months with published rates from about 9% p.a., plus a revolving line of credit up to AED 250,000. Fully digital for Wio Business customers.
Fully digital onboarding
- Rate
- —
- Decision
- a few days (in-app)
- Sharia-compliant
- —
- Free zone
- —
Published terms: up to AED 3,000,000 over 6/12/24/36 months, rates from about 9% p.a.; line of credit up to AED 250,000. Final approval and pricing rest with the bank. Per wio.io, Oct 2026.
Abu Dhabi government fund — financing programmes, grants and support for Emirati-owned SMEs; not a commercial lender.
- Rate
- —
- Decision
- —
- Sharia-compliant
- —
- Free zone
- Yes
Programme scope per Khalifa Fund public material, Oct 2026; eligibility rules apply per programme.
Dubai government agency for SME development — subsidised finance access, credit-guarantee schemes and government-procurement support for UAE SMEs.
- Rate
- —
- Decision
- —
- Sharia-compliant
- —
- Free zone
- Yes
Programme scope per Dubai SME public material, Oct 2026; terms vary by programme.
Emirates Development Bank
Federal development bank programmes: a Credit Guarantee Scheme covering part of the facility through partner banks, plus direct SME lending advertised up to AED 5 million within five working days via EDB 360 — focused on strategic sectors.
Fully digital onboarding
- Rate
- —
- Decision
- 5 working days (EDB 360, subject to eligibility)
- Sharia-compliant
- —
- Free zone
- —
Credit Guarantee Scheme reported up to ~50% loan-to-value, tenors to 10 years and up to 6-month grace via partner banks; direct EDB 360 loans up to AED 5M subject to eligibility. Per edb.gov.ae, Oct 2026.
Revenue-based funding for e-commerce and SME working capital — offers in ~48 hours, repayment as a share of revenue that flexes with slow months.
- Rate
- 1.5–2.5%
- Decision
- Offer in ~2–5 working days
- Sharia-compliant
- —
- Free zone
- Yes
Fee range and amounts per provider-published FAQ, Oct 2026 — the % shown is a monthly fee rate, not APR. FlapKap is a commercial lender, not a deposit-taking institution.
DFSA-regulated SME funding platform (Beehive P2P, an e& enterprise company): eligibility check in minutes, funding in days — certified by the Shariya Review Bureau.
Fully digital onboarding
- Rate
- —
- Decision
- a few days
- Sharia-compliant
- Yes
- Free zone
- —
Term finance AED 200K–2M over 12–24 months; published profit rates 9.8%–12.15%; monthly instalments. Eligibility: UAE-registered, ≥2 years operating under current management, no returned cheques in past 12 months. Per beehive.ae/term-finance, verified Oct 2026.
ADGM-based SME-financing marketplace from Emirates Development Bank — one application routes your business to licensed lenders and government programmes.
- Rate
- —
- Decision
- —
- Sharia-compliant
- —
- Free zone
- Yes
Marketplace model per ADGM/EDB announcements, Oct 2026; terms depend on the matched lender.
Unsecured small business loan from AED 50,000 to AED 300,000 over up to 36 months, priced on the borrower's profile — from one of the UAE's largest banks.
- Rate
- —
- Decision
- 1–2 weeks
- Sharia-compliant
- —
- Free zone
- —
Published minimum AED 50,000 and maximum AED 300,000, tenor up to 36 months; pricing assessed per applicant — no public rate card. Per emiratesnbd.com, Oct 2026.
Buys medical-insurance receivables so clinics get paid in ~24 hours instead of waiting 90+ days on insurer claims — Emirates Development Bank partner.
- Rate
- —
- Decision
- ~24-hour funding on approved claims (provider claim)
- Sharia-compliant
- —
- Free zone
- Yes
Funding speed and advance rates per provider-published material and EDB partnership announcement, Oct 2026.
CBUAE-licensed finance company focused on SME receivables — factoring, invoice discounting, POS-receivable loans, term loans and guarantees.
- Rate
- —
- Decision
- —
- Sharia-compliant
- —
- Free zone
- Yes
Licence per CBUAE public register (02.01.01.023.2016.01); product scope per company filings, Oct 2026.
UAE invoice discounting and revenue-based liquidity — advance up to ~90% of invoice value, forfaiting and purchase-order funding for SMEs.
- Rate
- 1–2.5%
- Decision
- Approval in under 7 days (provider claim)
- Sharia-compliant
- —
- Free zone
- Yes
Rates and amounts per provider-published material, Oct 2026 — monthly fee rate, not APR. Operated by Arnifi Technologies Forfaiting Services Co LLC (Dubai DED licence).
Collateral-free SME term loan repayable over up to 48 months; the published Key Facts Statement shows a representative reducing rate of about 18% p.a. Secured, POS-linked and lease-rental variants also exist.
- Rate
- —
- Decision
- 1–2 weeks
- Sharia-compliant
- —
- Free zone
- —
No-collateral term loan, up to 48 months; representative reducing rate ~18% p.a. per Mashreq's published KFS — final pricing per file. Per mashreq.com, Oct 2026.
Accounts-receivable automation for MENA B2B — payment links, collections and ERP sync, plus advances up to ~95% of approved invoices.
- Rate
- —
- Decision
- —
- Sharia-compliant
- —
- Free zone
- Yes
Advance rates per provider-published material, Oct 2026.
Collateral-free conventional and Islamic business finance; the Shari'a-compliant variant runs up to 60 months. Pricing is quoted per application — no public rate card.
- Rate
- —
- Decision
- 1–2 weeks
- Sharia-compliant
- —
- Free zone
- —
Collateral-free business finance plus a Shari'a-compliant variant with tenors to 60 months; terms quoted per file — rates not published. Per rakbank.ae, Oct 2026.
ADGM-registered digital factoring — sells your B2B receivables for a daily fee instead of a traditional interest-bearing loan.
- Rate
- —
- Decision
- Advances within ~24h (provider claim)
- Sharia-compliant
- —
- Free zone
- Yes
Model and timing per provider site, Oct 2026; confirm current onboarding and fee schedule with eFunder.
FAB advances funding against a merchant's card receivables — repayments track daily POS settlements rather than a fixed instalment schedule.
- Rate
- —
- Decision
- 1–2 weeks
- Sharia-compliant
- —
- Free zone
- —
POS-linked loan repaid from card settlement receivables; amounts and pricing assessed per file in the published KFS. Per bankfab.com, Oct 2026.
Invoice discounting and B2B buy-now-pay-later: Comfi advances up to 100% of an approved invoice within hours — receivables funding rather than a term loan, so it stays off the debt line.
Fully digital onboarding
- Rate
- —
- Decision
- within hours per invoice
- Sharia-compliant
- —
- Free zone
- —
Receivables finance, not a loan: advances up to 100% of invoice value at a disclosed discount fee. Licence status not publicly confirmed — verify directly. Per comfi.ai, Oct 2026.
