Dubai SME Capital Guarantee

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 that are owned or managed by an Emirati.

Term Finance

Rate from 5.45% per annum

24 Months

Re-payment period

Dubai

Based SMEs

Payment holiday of 3 months during Covid-19

 

100% Capital Guarantee

For 100% Emirati owned & managed businesses

Financing up to AED780,000

 

50% Capital Guarantee

For 50% Emirati owned & managed businesses

Financing up to AED420,000

 

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. Learn more about Beehive’s credit assessment process.

  • 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

Dave Thackray, CTO, Tarkeeb

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.”

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.  


Our Customers

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.