Numou · SME financing marketplace
Numou
ADGM-based SME-financing marketplace from Emirates Development Bank — one application routes your business to licensed lenders and government programmes.
Is Numou worth it?
- free-zone companies: Numou onboards free-zone entities on its published criteria.
Eligibility
- Not suitable for
- companies wanting retail banking or consumer credit — Numou focuses on SME supply-chain finance. Businesses wanting a simple unsecured loan without receivables documentation
Business operations
- Free-zone companies
- Yes
Details
- Model
- Marketplace — connects SMEs to lenders, does not lend directly
- Backing
- Emirates Development Bank (ADGM)
- Best for
- SMEs wanting one application across multiple lenders
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.
Marketplace model per ADGM/EDB announcements, Oct 2026; terms depend on the matched lender.
EDB announcements, Oct 2026; terms depend on the matched lender.Verified answers
What is Numou?
Numou is an SME financing marketplace built by ADGM that connects UAE small businesses with banks and licensed financing providers through a single platform.
Source: numou.ae · verified
Which financing providers are on Numou?
The listed network includes ADIB, Khalifa Fund, CredibleX, FlapKap, Klub, ABHI, Erad, Zelo, Keyper, SPOT and Hub71 — a mix of banks, licensed financiers, revenue-based lenders and ecosystem programs.
Khalifa Fund, 
CredibleX, 
FlapKap, Klub, ABHI, Erad, Zelo, Keyper, SPOT and Hub71 — a mix of banks, licensed financiers, revenue-based lenders and ecosystem programs.Source: numou.ae · verified
What financing types does Numou list?
Working capital and receivables facilities through its partner network, including procurement financing for SMEs holding government or corporate contracts.
Source: numou.ae · verified
Is Numou a lender?
No — Numou is a marketplace and matching layer operated under ADGM; the financing itself is provided by the listed banks and licensed financing companies.
Source: numou.ae · verified
Frequently asked questions
Is Numou worth it for free-zone companies?
Yes — Numou onboards free-zone entities on its published criteria.