Funding options
for UAE SMEs
Two products for established businesses: one for planned growth,
one for the gap between paying costs and getting paid.
Term Finance
Term Finance: Up to AED 2M for business growth
One amount paid out upfront, repaid in fixed monthly instalments. For expansion, equipment purchases and operational growth.
Key terms
Amount
Repayment
Profit rate*
Fees
It's a fit if your business
How it works
STEP 1
Speak to us
A straight talk about your business with a Beehive account manager.
STEP 2
We assess the business
Credit approval once all your documents are in.
STEP 3
Receive your funds
The full amount is paid into your account.
Working Capital Finance
Working Capital Finance: Invoice financing up to AED 2.5M
A facility limit you draw against B2B invoices, so payroll and suppliers are covered while customers pay. Approved once, used as you need.
Illustration: an invoice on 120-day payment terms
Without financing
With Beehive
Key terms
Facility limit
Repayment
Profit rate*
Fees
It's a fit if your business
How it works
Step 1 · Minutes
Apply online
Tell us about your business and share your documents.
Step 2 · 10 business days
Get your limit approved
We review the business and set your facility limit.
Step 3 · Same day
Submit an invoice
Upload a B2B invoice to draw against your limit.
Step 4 · Within 48 hours
Receive your funds
Funds are paid into your account.
Compare both
Term Finance or Working Capital?
Term Finance suits a growth plan with a longer payback period: one amount upfront, repaid monthly.
Working Capital suits a cash-flow gap: draw against invoices and repay when customers pay.
Eligibility & documents
What you'll need to apply
Have these ready and your application moves faster.
Financial documents
PDF and CSV, for every company account
Every page signed, with UAE address and source of wealth
Compliance documents
Clear colour copies, including all passports held
If applicable
Financial documents
Compliance documents
Clear colour copies, including all passports held
If applicable
Client stories
What founders say
"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
"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
FAQs
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 funding eligibility in 30 seconds
30 seconds now. A call within the hour.
SMEs are already growing with Beehive.
It starts with a 2-minute form.
