The UAE’s regulated
platform for SME
business finance
Fast and straightforward business loans and working capital for UAE SMEs trading for 2+ years.
No audited accounts, no property as security. Start with your trade licence.
SME funding options
Business finance built for UAE SMEs
Two products for established UAE SMEs. Term finance for planned growth, working capital finance for cash-flow gaps. Find out which one suits you best.
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
Two minutes online. What you do, how long you've been trading, roughly what you need. We'll call you within the hour.
Upload your trade licence
That's all we need to start. Upload it on the call and we'll come back with what you qualify for.
Get your decision and funds
Bank statements and VAT returns — only when we need them. Decision in [X] days. Funds released within [X] days of signing.
What you'll need
Documents you need
for an SME business loan
Here's everything we'll ever ask for, and when. Holding company or overseas shareholders? There are a couple of extras - we'll 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
Straight answers, first sentence.
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.
