Secured Business Loans UAE — Lower Rates Against Your Assets
Unlock larger limits and lower rates by pledging property, invoices or machinery — secured facilities from UAE banks for bigger, longer commitments, conventional or Islamic.
Top secured business loan offers right now in UAE
Compare the latest business loan offers from leading UAE banks, tailored to your business.
A secured business loan in the UAE is backed by collateral — commercial or residential property, machinery, an assignment of receivables, fixed deposits, or post-dated cheques — which reduces the bank’s risk and, in turn, unlocks lower profit rates, larger limits, and longer tenors than an unsecured facility. It is the right structure for sizeable, long-term commitments: a property purchase, major equipment, or consolidating expensive unsecured debt into a cheaper single loan. Banks such as Emirates NBD, FAB, and ADCB lend a percentage of the pledged asset’s value (the loan-to-value ratio), typically up to 70% against property and less for depreciating assets, and instruct an approved valuer to confirm the security’s worth. Because the asset carries much of the risk, secured lending is also more accessible to businesses with a shorter track record. FinanceMarket.ae assesses what you can pledge, matches it to the banks offering the best LTV and rate for that asset class, and compares the total cost including valuation, registration, and early-settlement fees.
- Lower rates than unsecured loans
- Pledge property, invoices or machinery
- Larger limits and longer tenors
- Conventional or Islamic structures
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.
All your UAE financial choices on one powerful platform.
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