Land Finance UAE — Industrial, Commercial & Investment Plots
Land acquisition finance up to 60% LTV for industrial parks, commercial plots and investment land across all seven emirates — free-zone and mainland, conventional or Islamic.
Top land finance offers right now in UAE
Compare the latest business loan offers from leading UAE banks, tailored to your business.
Land finance funds the purchase of raw or serviced plots — industrial land in zones such as KIZAD, Dubai Industrial City or Jebel Ali, commercial parcels in growth corridors, and investment land held for future development. Because undeveloped land produces no rental income, banks underwrite it more conservatively than built assets: LTV is typically capped around 50–60%, the asset story (location, zoning, master-plan status, and exit route) carries real weight, and the borrower’s business cash flow usually services the facility. Eligibility rests on 2+ years of audited or management accounts, a clear ownership pathway for the plot’s jurisdiction (free-zone companies often cannot own land outside their zone without a mainland entity), and a valuation by a bank-approved RICS valuer. Tenors are shorter than for income-producing property, and staged acquisitions can be funded through phased disbursement. FinanceMarket.ae identifies the lenders already comfortable with your sector, emirate, and plot type before you commit capital.
- Up to 60% LTV on industrial & commercial plots
- Free-zone and mainland coverage across all 7 emirates
- Pre-purchase feasibility and valuation review
- Phased disbursement for staged acquisitions
Documents Required to Apply for a Business Loan in Dubai, the UAE
Pick your profile below — the checklist differs by applicant type.
- Valid Trade Licence (Mainland / DED)
- Memorandum of Association (MOA) & Share Certificates
- Chamber of Commerce registration certificate
- Office tenancy contract / Ejari
- Company profile and website
- 6–12 months company bank statements
- Audited financial statements for the last 2 years
- VAT certificate and VAT returns for the last 4 quarters
- Sample invoices and purchase orders (POs)
- Emirates ID & passport copies of all owners / partners
- UAE residence visa copies of owners / partners
- AECB credit report
- Post-dated cheques / collateral where applicable
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Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.
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