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.
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.
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.
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.
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.
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.
