Dubai SME and 
Beehive's capital
guarantee scheme 
for Emiratis


Interest rate
From 6.1% per annum.
24 Months
Re-payment period.
Dubai
Based SMEs.
Capital guarantee
business funding
Dubai SME and Beehive are working together to provide a
capital guarantee scheme for Dubai-based SMEs. Eligible
SMEs must be owned or managed by an Emirati.
Learn more
SMEs must meet 
certain requirements
Businesses are required to meet the following criteria and 
undergo a thorough credit assessment.
Learn more
UAE
Registered company.
Currently profitable or breakeven
No returned cheques in the past
12 months
80% revenue on bank statement
Have audited accounts for the last 2 years
Under current management 24 months
Beehive funded businesses




























Frequently asked 
questions
Dubai-Based SMEs owned or managed by an Emirati can benefit from the scheme.
Businesses eligible for new financing can get a three-month payment holiday at the beginning of their loan term, which will be followed by a 24-months payment schedule. 3 month payment holiday for SMEs to help during Covid-19.
Eligible SMEs can access funding at low rates from 5.45% per annum.
Yes, investor are fully protected based on the business 100% or 50% Emirati ownership.
Expected avg. profit for Working Capital Finance is 0.9% per month and for Term Finance is 10% per annum.