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.
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.
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.
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.
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.
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.
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.
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.
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.
