Should I choose term finance or invoice finance?

If you need to cover costs while B2B customers pay their invoices, Working Capital Finance is built for that. For a longer-term plan such as expansion, a new branch or equipment, Term Finance fits better.

Is Beehive's SME finance Sharia-compliant?

Yes. Both products are certified by the Shariyah Review Bureau. The profit rate is the percentage used to calculate Beehive's share of profit from the transaction. It is not an interest rate.

Both products carry a one-time 3.5% processing fee. Term Finance has no early repayment charges. With Working Capital Finance you only pay for the days you use.

How quickly can my business be funded?

Term Finance: credit approval takes 3–4 days once all your documents are in, with funds paid within 48 hours of approval. Working Capital: your limit is typically approved within 10 business days, then each invoice is funded within 48 hours of approval.

How does invoice financing work?

Once your limit is approved, you submit B2B invoices as you need funding. Each approved invoice is funded within 48 hours, and you repay over 90-120 days as your customer pays.

Is Beehive regulated in the UAE?

Yes. Beehive P2P Limited is regulated by the Dubai Financial Services Authority (licence F004422) and is part of etisalat.

Funding options
for UAE SMEs

Choose Term Finance to fund a growth plan, with AED 200K–2M repaid over 12 or 24 months. Or choose Working Capital Finance to cover B2B invoices while customers pay, with a facility of up to AED 2.5M

Check your eligibility

Compare Term Finance and Working Capital

Up to

AED 2M

One amount upfront, repaid monthly. For expansion, equipment and growth.

Repayment12 or 24 months

Profit rate~11% / yr

Fee3.5% one time fee

See Term Finance

Term finance

Term Finance: Up to AED 2M to grow your business

Term Finance is a fixed-amount business finance facility. You receive the full amount upfront and repay it in equal monthly instalments over 12 or 24 months. UAE SMEs use it to fund expansion, new branches, equipment and hiring.

Key terms

Amount

AED 200K – 2M

Repayment

12 or 24 months instalments

Profit rate*

~11% a year

Fees

3.5% of approved finance amount, no early repayment charge

Term Finance suits your business if it:

Has annual revenue of AED 2M or more

Has traded for 2+ years and is profitable, or close to it

Is planning to pay back over a longer time period (12-24 months)

Full criteria and documents

How Term Finance works

Step 1

Speak to us

Talk through your business and funding plan with a Beehive relationship manager.

Step 2

We assess the business

Once all your documents are in, our credit team assesses your business.

Step 3

Agree and receive

Sign your agreement and the full amount is paid into your business account, usually within 48 hours.

Check your eligibility

Working Capital Finance

Working Capital Finance: Invoice financing up to AED 2.5M

Working Capital Finance is a Sharia-compliant invoice finance facility. Beehive approves a facility limit for your business once. You then draw funds against unpaid B2B invoices whenever you need cash, and repay when your customer pays. It keeps payroll, suppliers and stock covered through 120 day payment terms.

Illustration: an invoice on 120-day payment terms

Without invoice financing

InvoiceCosts

Cash gap as you wait for client payment

Finally paid

With Beehive Working Capital Finance

Invoice

Business runs as normalRuns as normal

Repay

Funds in 48 hrs48 hrs

Day 060120 days

Key terms

Facility limit

AED 500K – 2.5M

Repayment

90 – 120 days per invoice

Profit rate*

~1.25% a month, charged only for days used

Fees

3.5% one-time

Working Capital Finance suits your business if it:

Has annual revenue of AED 7M or more

Invoices other businesses in trading, services or manufacturing

Has traded for 2+ years

Full criteria and documents

How Working Capital Finance with Beehive works

Step 1

Apply online

Tell us about your business and share your documents.

Step 2

Get your limit approved

We review your business and approve a limit.

Step 3

Submit an invoice

Upload a B2B invoice whenever you need to draw funds.

Step 4

Receive your funds

Each approved invoice is typically funded within 48 hours.

Check your eligibility

Compare both

Term Finance vs Working Capital Finance: which suits your business?

Term Finance suits a growth plan with a longer payback period: one amount upfront, repaid monthly over 12 or 24 months.

Working Capital suits a cash-flow gap: draw against B2B invoices and repay when your customers pay.

	Term Finance	Working Capital Finance
Best for	Growth plans with a longer payback period	Cash-flow gaps between paying costs and getting paid
Amount	AED 200K – 2M	AED 500K – 2.5M facility limit
Repayment	12 or 24 months, monthly instalments	90 to 120 days per invoice
Profit rate*	~11% a year	~1.25% a month, for days used
Fees	3.5% one-time, no early repayment charge	3.5% one-time
Speed	Once all documents are submitted, approval typically in 2 days and then funded within 2 days	Credit limit typically approved in 10 business days; once submitted, each invoice funded within 48 hours
Eligibility	AED 2M+ revenue, 2+ years trading	AED 7M+ revenue, B2B invoices

*Rate refers to the percentage used to calculate the customer's share of profit from the Sharia-compliant transaction; it is not an interest rate. *Rates are indicative. Your rate depends on our credit assessment.

Eligibility & documents

Documents needed to apply for SME finance in the UAE

Have these ready and your application moves faster. Requirements differ slightly by product.

Financial documents

Bank statements, last 6 months
PDF and CSV, for every company account

Receivables and payables ageing, last two quarters

VAT certificate and last four quarterly returns

Beehive application form
Every page signed, with UAE address and source of wealth

Compliance documents

Trade licence

Ejari or company tenancy contract

Passport, visa and Emirates ID for every shareholder
Clear colour copies, including all passports held

Additional documents (if applicable)

Memorandum and Articles of Association

Certificate of Incorporation

Holding company documents

Financial documents

Bank statements, last 12 months

Receivable and payable ageing reports

Sample invoices

Compliance documents

Trade licence

Ejari or company tenancy contract

Passport, visa and Emirates ID for every shareholder
Clear colour copies, including all passports held

If applicable

Memorandum and Articles of Association

Certificate of Incorporation

Holding company documents

Client stories

What UAE founders say about Beehive

"Beehive stepped in at the right time with fast, flexible funding that helped us stay on track and keep building."

Richard Fitzgerald

CEO, Augustus Media

"The funding process with Beehive was really simple and straightforward, taking just a couple of weeks from start to finish."

Jean-Michel

Co-Founder and CEO, Oliv

Common questions about SME finance in the UAE

Can't find yours? Call +971 4 550 6700 or email sme@beehive.ae

Check your SME finance eligibility in 2 minutes

2 minutes now. We'll aim to call you within an hour during working hours.

Two minutes online. A call within the hour.

The experienced credit team at Beehive rigorously assesses every application and only lists creditworthy, established businesses on the platform. Whilst we typically list established businesses, we may also list some early-stage businesses and funding to these may involve higher risks. You are funding to SMEs and need to be aware of the risk of default which could result in the loss of all or part of your investment. You may also experience delays in being repaid or may not be able to sell your loan using the transfer facility if you wish to do so. As an investor, you should decide on your own risk parameters and diversify investments to limit risk.

Funding optionsfor UAE SMEs

Term Finance: Up to AED 2M to grow your business

How Term Finance works

Speak to us

We assess the business

Agree and receive

Working Capital Finance: Invoice financing up to AED 2.5M

Without invoice financing

With Beehive Working Capital Finance

How Working Capital Finance with Beehive works

Apply online

Get your limit approved

Submit an invoice

Receive your funds

Term Finance vs Working Capital Finance: which suits your business?

Documents needed to apply for SME finance in the UAE

Financial documents

Compliance documents

Additional documents (if applicable)

Financial documents

Compliance documents

If applicable

What UAE founders say about Beehive

Common questions about SME finance in the UAE

Check your SME finance eligibility in 2 minutes

Risk Warning

Funding options
for UAE SMEs