24 Months
Re-payment period
Dubai
Based SMEs
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
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
“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.