SME funding for UAE businesses
Fast and straightforward funding from AED 200K for established UAE SMEs, with Term Finance for growth and Working Capital Finance for cash flow. All you need to start is your trade licence.
SME funding options
Business finance built for UAE SMEs
Beehive offers two types of SME funding: Term Finance for planned growth, and Working Capital Finance for cash-flow gaps. Both are for established UAE businesses trading for 2+ years.
For planned growth
Term Finance
A lump sum from AED 200K to AED 2M, repaid in fixed monthly instalments over 12–24 months. Use it for stock, equipment, a new site, or whatever is needed to help grow your business.
Amount
Term
For the gap in between
Working Capital Finance
A revolving credit line for UAE SMEs. Draw on it when you need to and repay as your invoices clear, so it covers the gap between paying suppliers and getting paid.
Line size
Drawdown
How it works
How to get SME funding in the UAE: three steps
Apply online, start with your trade licence, and get a decision in 4 days. We ask for other documents only when we need them.
Apply online in two minutes
Tell us what your business does, how long you've been trading and roughly how much you need. We'll call you within the hour.
Share your trade licence
That's all we need to start. Share it on the call and we'll tell you which funding you qualify for.
Get your decision and funds
We'll ask for bank statements and VAT returns at this stage. Decision in [X] days, with funds released within 2 days of signing.
What you'll need
Documents you need
for SME business funding
You need four documents in total, and only your trade licence to start. Holding company or overseas shareholders? We'll ask for a couple of extras and walk you through them on the call.
To start
1 document
To get a decision
3 more
FAQs
Common questions about SME finance in the UAE
Quick answers to what UAE business owners ask us most.
Check your SME funding eligibility in two minutes
Two seconds online. A call within the hour.
SMEs are already growing with Beehive.
It starts with a 2-minute form.