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Amanex Group provides a full suite of banking and trade finance solutions, including unsecured and secured business loans, working capital facilities, overdrafts, invoice discounting, TR and LC facilities, SBLCs, financial guarantees, loan buyouts, top‑up loans, revenue‑based financing, business expansion loans, and trade working capital solutions. These products support SMEs, traders, manufacturers, contractors, e‑commerce sellers, and large enterprises with liquidity, growth capital, import/export financing, and structured credit solutions tailored to UAE banking standards.

Flexible, fast, and growth‑focused financing solutions for SMEs, startups, and established companies across the UAE.

Amanex Group provides end‑to‑end business loan advisory, bank coordination, documentation support, and eligibility structuring to secure the right financing for your business.

Overview

 
  • Unsecured Business Loans – No collateral, based on turnover

    SME Unsecured Loans • POS‑Based Loans • Turnover‑Based Loans • Credit‑Score‑Based Loans • Digital Business Loans Details: • No collateral required • Based on turnover, bank statements, AECB score • Fast approval (3–7 days) • Ideal for SMEs, traders, service companies • Loan amounts: AED 100K – 1.5M • Tenure: 12–48 months

  • Secured Business Loans – Loans against property or assets

    • Property‑Backed Loans • Machinery‑Backed Loans • Vehicle & Fleet Finance • Fixed Deposit‑Backed Loans • Asset‑Backed Credit Lines Details: • Higher loan amounts (AED 500K – 20M+) • Lower interest rates • Longer repayment terms (5–10 years) • Ideal for expansion, machinery, warehouses

  • Working Capital Finance – Short-term funds for daily operations

    Overdraft (OD) • Invoice Discounting • TR Facility • LC Facility • Working Capital Term Loan • Supplier Finance • Inventory Finance Details: • Supports daily operations • Smooth cash‑flow during delayed payments • Ideal for trading, manufacturing, logistics

  • Overdraft Facilities – Flexible credit, pay interest on usage

    Clean OD • Secured OD • FD‑Backed OD • Receivables‑Backed OD Details: • Revolving credit • Pay interest only on used amount • No EMI • Ideal for daily operations

     
  • Loan Buyout / Takeover – Transfer loan for lower rates + top-up

    • Unsecured Buyout • Secured Buyout • Consolidation Buyout • OD Buyout Details: • Reduce EMI by 20–40% • Lower interest • Improve cash‑flow

  • Top-Up Business Loans – Extra funding on existing loan

    • Unsecured Top‑Up • Secured Top‑Up • Consolidated Top‑Up Details: • Additional funds without closing existing loan • Fast approval • Minimal documentation

  • Revenue-Based Financing – Funding based on monthly sales

    • Pure RBF • Hybrid RBF • Marketplace‑Linked RBF • POS‑Based RBF Details: • No EMI • Repay as % of revenue • No collateral • Ideal for e‑commerce, retail, SaaS

  • Business Expansion Loans – Finance for growth and new branches

    • Branch Expansion • Machinery Expansion • Inventory Expansion • Market Entry • Fit‑Out & Renovation Details: • High‑value capital • Ideal for scaling operations • Tenure: 1–7 years

     
  • Trade Working Capital Loans – Import/export financing support

    Import Finance • Export Finance • OD for Trading • TR for Trading • LC for Trading • Inventory Finance • Supplier FinanceDetails: • Designed for import/export cycles • Supports large trading volumes • Smooth supplier payments

  • Invoice Discounting Recourse • Non‑Recourse • Confidential • Selective Details: • Convert invoices into cash • Up to 80–90% of invoice value • No collateral • Ideal for B2B credit cycles

  • TR Facility (Trust Receipt)

    LC‑Backed TR • CAD‑Backed TR • Open Account TR • Revolving TR Details: • Short‑term import finance • Clear goods immediately • Repay in 30–180 days

  • LC Facility (Letter of Credit)

    Sight LC • Usance LC • Back‑to‑Back LC • Transferable LC • Standby LC • Revolving LC Details: • Bank guarantee of payment • Essential for international trade • Builds supplier trust

 

1. Unsecured Business Loans

Unsecured loans provided without collateral, based on turnover, bank statements, and financial stability. Ideal for: SMEs, traders, service companies, retail, e‑commerce. Benefits: Fast approval, flexible usage, no collateral. Loan Range: AED 100K–1.5M.

 

2. Secured Business Loans

High‑value loans backed by property, machinery, vehicles, or deposits. Ideal for: Manufacturers, logistics, contractors, industrial firms. Benefits: Higher limits, lower interest, longer tenure. Loan Range: AED 500K–20M+.

 

3. Working Capital Finance

Short‑term funding for daily operations, inventory, supplier payments, and cash‑flow cycles. Ideal for: Trading, retail, manufacturing, logistics, e‑commerce. Facilities: OD, TR, LC, invoice discounting, term loans.

 

4. Overdraft (OD) Facility

Revolving credit line linked to corporate account. Benefits: Pay interest only on used amount, no EMI, instant liquidity. Ideal for: Daily operations, supplier payments, inventory.

 

5. Invoice Discounting

Immediate cash against unpaid customer invoices. Benefits: No collateral, fast cash‑flow, flexible usage. Ideal for: B2B companies with 30–120 day credit terms.

 

6. TR Facility (Trust Receipt)

Short‑term import finance to clear goods from customs. Benefits: 30–180 day repayment, supports large import cycles. Ideal for: Importers, traders, wholesalers.

 

7. LC Facility (Letter of Credit)

Bank guarantee of payment to suppliers for international trade. Benefits: Supplier trust, no upfront payment, secure trade. Types: Sight LC, Usance LC, Back‑to‑Back LC, SBLC.

 

8. SBLC / Financial Guarantees

Bank‑issued guarantees for payment, performance, tenders, and contracts. Benefits: Global acceptance (MT760), zero upfront payment, high credibility. Ideal for: Large contracts, international trade, project financing.

 

9. Business Loan Buyout / Takeover

Transfer existing loan to another bank for better terms. Benefits: Lower EMI, lower interest, longer tenure, improved cash‑flow. Ideal for: Businesses with high EMI burden or poor loan structure.

 

10. Top‑Up Business Loans

Additional funding on top of existing loans without closing them. Benefits: Fast approval, minimal documentation, flexible usage. Ideal for: Growing businesses needing extra capital.

 

11. Revenue‑Based Financing (RBF)

Funding repaid as a percentage of monthly revenue. Benefits: No EMI, no collateral, flexible repayment. Ideal for: E‑commerce, retail, SaaS, cafés, subscription businesses.

 

12. Business Expansion Loans

Medium‑to‑long‑term loans for scaling operations, opening branches, buying machinery, or entering new markets. Benefits: High loan amounts, long tenure, low interest. Ideal for: Companies planning growth or diversification.

 

13. Trade Working Capital Loans

Specialized funding for import/export cycles and high‑volume trading. Facilities: OD, TR, LC, invoice discounting, export finance. Ideal for: Importers, exporters, wholesalers, re‑exporters.

Business Loan Dubai is designed to support companies with working capital, expansion, inventory purchase, contract execution, and operational growth. Whether you are a startup or an established enterprise, we help you secure the right funding from leading UAE banks.

A. Unsecured Business Loans

Loans without collateral, based on turnover and banking history. Ideal for: Trading, services, retail, e‑commerce, contracting.

Example: A trading company with AED 250,000 monthly turnover secures AED 400,000 unsecured loan for expansion

B. Secured Business Loans

Loans backed by property, machinery, or fixed deposits. Ideal for: Manufacturing, logistics, contracting, industrial companies.

Example: A factory pledges a warehouse valued at AED 3M to secure AED 2M term loan.

C. Working Capital Finance

Short‑term funding to manage daily operations. Ideal for: Importers, exporters, contracting, trading.

Example: A contracting firm receives AED 600,000 working capital to manage supplier payments.

D. Overdraft Facilities

Revolving credit linked to business account. Ideal for: Cash‑flow‑heavy businesses.

Example: A logistics company receives AED 300,000 OD limit, paying interest only on usage.

E. Business Loan Buyout / Takeover

Transfer existing loan to another bank for better rates and higher limits.

Example: AED 500,000 loan at 18% bought out at 12% with AED 150,000 top‑up.

F. Top‑Up Business Loans

Additional financing on top of existing loan.

Example: A restaurant receives AED 200,000 top‑up after 12 months of good repayment.

G. Revenue‑Based Financing

Funding based on monthly sales (POS or online revenue).

Example: E‑commerce business with AED 150,000 monthly sales receives AED 250,000 funding

H. Business Expansion Loans

Loans for opening new branches, hiring, or scaling operations.

Example: A salon chain receives AED 700,000 expansion loan for a new branch.

I. Trade Working Capital Loans

Trade‑focused financing for import/export.

Example: Importer receives AED 1M trade working capital to clear shipments.

Eligibility Criteria

Eligibility varies by bank, but generally includes:

    • Valid UAE trade license

    • Minimum 6–12 months business operations

    • Monthly turnover AED 80,000+ (varies by bank)

    • Clean banking history

    • Active corporate account

    • VAT returns (if applicable)

    • Owner’s credit score 650+ (ideal)

Process Flow

    1. Initial Assessment Eligibility check, turnover analysis, bank selection.

    1. Document Preparation Bank‑ready file creation with financials and compliance.

    1. Bank Submission Coordinated submission to selected banks.

    1. Bank Review & Evaluation Credit team assessment, site visit (if required).

    1. Approval & Offer Letter Final loan amount, rate, and tenure confirmed.

    1. Disbursement Funds released to corporate account.

Dealing Banks

Amanex works with all major UAE banks:

    • Emirates NBD

    • Mashreq

    • RAKBANK

    • CBD

    • FAB

    • ADCB

    • ADIB

    • NBQ

Sample Case Study

Client: General Trading Company Turnover: AED 300,000/month Requirement: AED 500,000 for expansion Solution:

    • AED 350,000 unsecured loan

    • AED 150,000 OD facility

    • Combined approval within 10 working days

FAQs

Q: Do I need collateral? Not for unsecured loans; secured loans require assets.

Q: What is the maximum business loan amount in UAE? Banks offer AED 100,000 to AED 3M depending on turnover and profile.

Q: Can startups apply? Yes — through startup loans, revenue‑based funding, or secured facilities.

Q: How long does approval take? Typically 7–14 working days.

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