BUSINESS LOANS
Capital to grow your business.
Unsecured and secured business loans, term loans and revolving credit facilities for UAE businesses. We match you with the right lender at the right terms.
UAE banks lend to businesses that meet specific credit criteria — trading history, turnover, profitability, existing leverage and management quality all factor into the decision. Most businesses that apply directly don't know exactly what the bank is looking for, and applications often fail on presentation rather than substance.
Gulf Oasis Commercial Brokers prepares your application to answer every question before it's asked. We review your financials, clean up your credit narrative, prepare a compelling business case and submit through the right credit channels.
We work across the full spectrum — from AED 200,000 unsecured SME loans to AED 50 million term loans for established corporates. We know which banks are actively lending in your sector and which can process quickly.
Our advisory is independent. We are not paid by banks to push any particular product. We find the loan that genuinely suits your business — best rate, best tenure, best covenants — and we negotiate hard to get it.
Every loan type your business needs.
Fixed-term borrowing with structured repayment for capital expenditure, business expansion, acquisitions or refinancing of existing debt.
Draw, repay and redraw as needed within an approved limit — ideal for businesses with variable cash flow and recurring working capital needs.
Clean lending for established businesses — no property collateral required. Based on trading history, turnover and bank relationship strength.
Larger facilities secured against commercial property, plant and equipment or inventory — unlocking more capital at lower interest rates.
From enquiry to drawdown.
We review your last 2–3 years of audited accounts, management accounts and bank statements to understand your borrowing capacity and credit profile.
We recommend the right loan type, amount, tenure and security structure — and prepare a bank-ready credit submission with full supporting documentation.
We approach multiple lenders simultaneously (with your consent), creating competitive tension that often results in better terms than single-bank applications.
We present all offers with a clear comparison of rates, fees and covenants, help you select the best option and manage the legal and drawdown process through to completion.
Business loan questions answered.
Most UAE banks require a minimum annual turnover of AED 1–2 million for SME loan products. Larger term loans typically require AED 5 million or more in annual revenue. We know which banks are most flexible and can often find solutions for businesses that fall below standard thresholds.
Not always. Many banks offer unsecured loans of up to AED 2–3 million for businesses with strong trading histories and clean credit profiles. Larger facilities typically require security — property, assets or personal guarantees. We structure applications to minimise collateral requirements wherever possible.
Yes. A rejection by one bank does not close all doors. We review the reasons for the earlier rejection, address any weaknesses in the credit narrative, and identify alternative lenders whose criteria better match your profile. We have successfully placed loans for businesses that had previously been declined.
Simple SME loans can be approved in as little as 5–7 business days with our documentation pack. More complex structured loans typically take 3–6 weeks. We actively manage the process to avoid unnecessary delays.
Capital is closer than you think.
Share your financial needs with us and we'll match you to the right loan product, the right bank and the best available terms in the UAE market.