FAB · POS-linked merchant advance
FAB POS Loan
FAB advances funding against a merchant's card receivables — repayments track daily POS settlements rather than a fixed instalment schedule.
Is FAB POS Loan worth it?
- founders outside the UAE: FAB POS Loan requires a branch visit — plan to be in the UAE for onboarding.
Eligibility
- Eligibility notes
- UAE merchants processing card payments through FAB acquiring; the advance amount scales with documented POS turnover.
- Not suitable for
- merchants without card terminal history — the product is an advance against POS receivables, so businesses without existing card sales volume. Companies wanting invoice finance or unsecured term loans
Business operations
- Approval time
- 1–2 weeks
- Branch visit
- Required
How onboarding goes
- Application: Submit the request through the provider’s channel and upload documents
- Compliance review: KYC checks and document verification
- Branch visit: In-person visit for an authorised signatory
- Decision: Typical timing: 1–2 weeks
- Go live: Access activated and the product is live
Documents you'll typically need
- Trade licence and Memorandum of Association
- 6–12 months of business bank statements
- Filed VAT returns and latest financial statements
- Invoices or contracts evidencing revenue (for invoice and revenue-based products)
Typical pack for this category — the provider confirms the exact list on application.
Not for you if…
- You want fully remote onboarding — a branch visit is required.
POS-linked loan repaid from card settlement receivables; amounts and pricing assessed per file in the published KFS. Per bankfab.com, Oct 2026.
Frequently asked questions
Is FAB POS Loan worth it for founders outside the UAE?
No — FAB POS Loan requires a branch visit — plan to be in the UAE for onboarding.