SME Financing Solutions in UAE

We support the nation's economy by empowering small and medium enterprises (SMEs) with tailored financing solutions. Whether you need SME finance, scale-up finance options for SMEs in UAE, or expansion financing for established SMEs, we offer quick and easy SME financing solutions. As a leading UAE SME finance provider, we provide a range of financing options for SMEs, ensuring your business can grow and thrive. 


Our SME funding supports Nationals and residents who own and manage businesses across the manufacturing, healthcare, renewables, food security and technology sectors.

Here's how we're helping...

  • Offering a range of financing solutions specifically designed for SMEs.
  • Partnering with other financial institutions to provide additional funding sources.
  • Providing a partial guarantee on loans issued by partner banks to SMEs (Credit Guarantee) helping SMEs that may not otherwise qualify.
  • Working closely with SMEs to understand their business needs and develop customised financing solutions to meet their needs.
  • Tailoring financing solutions to suit the needs of each SME, including loan amount, repayment term and interest rate.

Emirates Development Bank provides specialized business advisory services crafted to empower SMEs in thriving within the business landscape. Our offerings include expert guidance in financial planning, research, financial management, and operational efficiency. This translates to small and medium-sized companies enhancing their capabilities, overcoming market challenges, and making informed decisions to boost their competitive advantage.

At EDB we back innovation...

  • We help bolster innovation projects through financial support and flexible financing, mitigating risk with loan guarantees and co-lending.
  • We provide technical assistance and advisory services to innovators and entrepreneurs, including business planning, market analysis, IP protection and regulatory compliance
  • We collaborate with entrepreneurship hubs (such as SHERAA and MBRIF) for incubation and training programs.
  • We partner with various stakeholders within the innovation ecosystem to facilitate knowledge exchange and co-investment opportunities.
  • We actively advocate for innovation-encouraging policies.
  • Our comprehensive support nurtures innovation, promoting economic growth and idea transformation into practical solutions.

AED1.8bn in loans were approved by EDB for SMEs in 2022, that's a 387 per cent increase on 2021, and a 45 per cent increase over the previous quarter.

This was made up of AED1.2bn of direct financing and AED611m of indirect financing through EDB’s credit guarantee scheme with partner commercial banks.



Here are some solutions relevant to mSMEs companies

Long Term Finance (capex)

We enable ambitious companies to invest in productive assets - infrastructure, technology and other large, costly assets necessary for growth, innovation, and competitiveness

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Greenfield and Brownfield Project Finance

Funding the development and re-development of the UAE Whether it’s a large-scale brand new development, or the redevelopment of an existing project, EDB is ready to help finance green field and brownfield projects.

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Advanced Technology Financing

Supporting the technological advancement of the UAE The UAE has always been a technology-focused nation. To maintain our advanced edge, we help ambitious companies invest in their future success by facilitating finance options.

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Renewables and Energy Finance

Smoothing the road to Net Zero EDB is fully committed to the UAE’s ambitious plans for a Net Zero economy. One of our five pillars is to focus our efforts on supporting investment in renewable energy and greater energy efficiency in industry.

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Digitization Finance

Driving the nation’s digital future EDB provides the financial resources to support the digital transformation of UAE businesses and industries

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AgriTech Loans

UAE’s first-of-its-kind financing initiative designed to support the country’s vital food security sector. We have AED 100 million to support farms, local growers and food suppliers

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EDB is excited to bring SMEs smarter business banking through our partnership with YAP. The all in one banking app means...

  • SMEs can kick start their business with quick set-up, a range of transactional services and access to lending products.
  • 24/7 access with secure, convenient, digital banking on-the-go.
  • No minimum balance criteria.
  • Account activation completed within 48 hours and your business account IBAN reserved in a matter of minutes.

Our Business Banking App will be continuously upgraded to provide the latest features/services available in digital business banking.

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We go beyond financial support to provide a platform that empowers rising startups and micro SMEs within UAE to be ready for business. With our key knowledge and support of 5 priority sectors in the UAE economy, we help businesses to run more efficiently, decrease financial risk and embrace innovation to capitalise on opportunities.

Just some of the support you can expect...

  • Business training for Startups and SMEs through online and in-person sessions.
  • Accessible tools and guidance to stimulate business growth through our collaborations with partners.
  • Preparing Startups for business banking at their early stages of business development through mentorship and knowledge sharing.
  • Events and networking opportunities.

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Empowering your business when you need it most

From account set up to financing business needs

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