SME Lending & Financing

SME Lending & Financing

SME Lending & Financing

Securing the right lending product for your business requires more than submitting an application — it demands a thorough understanding of bank criteria, financial presentation, and product suitability. Many UAE businesses approach lenders without adequate preparation, resulting in delays, unfavourable terms, or outright rejection.

Findirect provides structured advisory to help SMEs navigate the UAE lending landscape with confidence. We evaluate your business profile, identify eligible products, and manage the full submission process on your behalf.

Our advisory covers the following products:

  • SME Business Loans — secured and unsecured facilities tailored to your revenue profile
  • Cash Flow Lending — short-cycle borrowing aligned to your operating rhythm
  • Revenue-Based Financing — repayments structured as a percentage of monthly turnover
  • Government-Backed Schemes — Emirates Development Bank (EDB), Khalifa Fund, and Mohammed Bin Rashid Fund eligibility assessment and application support
  • SME Credit Facility Structuring — designing the right mix of products for your business stage
  • Loans Against Trade Receivables — unlocking liquidity from confirmed invoices and contracts

We work exclusively on your behalf — not on behalf of any bank — ensuring every recommendation reflects your business interest.

Contact an Advisor
Core Expertise

Product List

  • Working Capital Loans

Working Capital Loans provide short-term funding to support a company’s day-to-day operations, such as paying salaries, managing inventory, and covering operational expenses, ensuring smooth business continuity.

  •  Business Term Loans

Business Term Loans offer a fixed amount of capital that is repaid over a defined period with scheduled installments. They are ideal for expansion, infrastructure development, or long-term investments.

  •  Overdraft Facilities

Overdraft Facilities allow businesses to withdraw more money than available in their account up to a pre-approved limit. This flexible financing helps manage cash flow gaps and unexpected expenses.

  • Asset-Based Financing

Asset-Based Financing enables businesses to secure loans using assets such as inventory, receivables, or property as collateral. It helps unlock the value of existing assets to improve liquidity.

  • Machinery & Equipment Financing

This financing solution helps businesses acquire or upgrade machinery and equipment without large upfront costs, supporting operational efficiency and business growth.

  • Invoice Financing

Invoice Financing allows businesses to access immediate funds against their unpaid invoices, improving cash flow and reducing the waiting period for customer payments.

Our Approach

How Findirect Delivers

  • Financial statement analysis
  • Loan eligibility structuring
  • Submission & follow-up with banks/NBFCs
  • Negotiation of interest rates & tenure
  • Advisory on improving credit profile
We focus on improving cash flow efficiency and business scalability.
How We Deliver