Business Financing

Funding your ambitions

Overview

CBD offers an array of funding solutions that cater to your diverse and ever-changing business requirements. We understand that your needs are unique, which is why our experienced Relationship Managers are your partners in understanding exactly what you need, when you need it.

With the help of our diverse financing specialists, we provide you with the funding solutions to suit your vision for the future, and our offerings includes Project Finance, Real Estate Finance, Acquisition Finance as well as Asset Backed Finance.

Loan Financing solutions

Expert underwriting and bridge financing tailored to your requirements.

  • Syndicated loans and club loans (including Murabaha and Ijara Financing)
  • Bridge Financing
  • Refinancing Solutions
  • Acquisition Finance
  • Asset-backed Finance/Non-recourse Financing
  • Project Finance
  • Structured/Leverage Finance
  • Real Estate Finance
  • Loan Agency
Project Finance

Fleet Finance

Whether you're looking to make a single vehicle purchase for your business or a whole fleet, CBD can provide the necessary support. The auto fleet financing program offers flexible and competitive financing for business engaged in passenger transport, bus rental, tourism activities, car and vehicle rental and any other business that operates an income-generating fleet of vehicles.

Fleet Finance: Features
  • Flexible financing program for all new fleet-purpose vehicles
  • Finance of auto vehicles whether single or whole fleet finance
  • Availability of financing heavy trucks and machineries
  • Finance limits up to AED 2 million
  • Processing fees: 1% of approved fleet limit
  • Competitive financing rate and low processing fees
  • Islamic Murabaha fleet finance option available
Fleet Finance: Eligibility
  • Business entities legally registered in the UAE (sole proprietors, partnerships and limited liability companies) who operate vehicle fleets
  • Business operating for at least one year, with annual sales turnover of AED 1,000,000 or over
  • Applicants must have a minimum of two years in business in the UAE with a successful financial history
  • All vehicles to be financed must be new (first registration)
  • All financed vehicles must have comprehensive insurance cover with CBD registered as the beneficiary

Fixed Assets Finance

If you are looking for help with financial solutions for purchasing heavy equipment, machinery, or capital expenditure assets, our Fixed Assets Finance service helps you make those purchases with low interest rates and no collateral requirements.

Fixed Asset Finance: Features
  • Offered to all UAE registered businesses and UAE Nationals
  • Finance amount up to AED 1 million for new to bank client and up to AED 1.5 million for existing clients
  • Financing up to 90% of equipment /machinery quotation value
  • Financing solution available up to 48 months
  • Lowest interest rates in the market
  • Low processing fees
  • Fast decision making and processing turn-around times, with the majority of credit decisions made within 48 hours
  • Transparency: Clear and straightforward terms, conditions and eligibility requirements
  • Repayable in equal monthly installments
  • Less documents and quick approval
  • Loan top up facility after 12 months of satisfactory loan performance
Fixed Asset Finance: Eligibility
  • Open to all registered business entities operating in the trading, manufacturing, professional or service sectors.
  • Business operating for at least three years, with annual sales turnover of AED 2,000,000 or over.
  • Company’s Length of Business 2 Years or over.
  • Applicants should be between 25-65 years during the finance tenure.

Commercial Property Finance

At CBD, we offer you a comprehensive commercial real estate offering by providing you loans for purchase of commercial property finance, in addition to loans against future rental income. UAE registered businesses looking to expand or purchase commercial property like office space, warehouses, showrooms and shops in UAE can can utilise our Commercial Property Finance from CBD Business Banking.

Commercial Property Finance: Features
  • For UAE registered businesses
  • Applicable for properties in the Emirate of Abu Dhabi and Dubai
  • Land and real estate cost financing available
  • Loan clearance through future rental income
  • Properties included: offices, office buildings, shops, residential buildings, villas, warehouses, and more
Required documents
  • National ID or valid passport with UAE residence visa and Emirates ID of all signing authorities and shareholders, if applicable
  • Valid legal and constitutive documents (i.e. Trade License, Certificate of Commercial Registration, Free Zone Certificate of Incorporation, Memorandum of Association, Partnership Agreement) as applicable
  • Power of Attorney or Board Resolution, if applicable
  • Proof of Address
  • Details of Ultimate Beneficial Owners
  • Bank Reference Letter and Company Profile, if applicable
  • Audited financial statements

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