Dubai SME and Beehive's Capital Guarantee Scheme for Emiratis​

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.

Capital Guarantee Business Funding

Rate from 6.1% per annum

24 Months

Re-payment period


Based SMEs

Payment holiday of 3 months during Covid-19


100% Capital Guarantee

For 100% Emirati owned & managed businesses

Financing up to AED1 Million


50% Capital Guarantee

For 50% Emirati owned & managed businesses

Financing up to AED600,000


Expected investor return 10% per annum

SMEs must meet certain requirements

Businesses are required to meet the following criteria and undergo a thorough credit assessment.

  • AED2M revenue p.a.
  • UAE registered company
  • 12 months no returned cheques
  • 80% revenue on bank statement
  • Currently profitable or breakeven
  • 24 months under current management
  • Have audited accounts for the last 2 years

Dubai SME Capital Guarantee Quote

Dave Thackray – CTO, Tarkeeb

“Tarkeeb is delighted & honored to receive support from MBRF and Beehive. The funds will be used to strengthen and build our company’s resources to meet our customers’ expectations during the Covid-19 pandemic.”

Beehive funded businesses

Is my business eligible?

Please fill in the form and a member of the Beehive team will get back to you shortly. Alternatively, you can call us on 

+971 4 550 6700 for further assistance.  

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.