Here’s why easy Capital’s checklist is crucial for your business financing: 

1. Trade License (with Commercial Registration and Partners’ Shares) 

This verifies your business is officially registered in the UAE and is valid. It also outlines the ownership structure, helping lenders assess risk and accountability. 

2. Memorandum of Association (MOA) & Amendments 

The MOA defines your business activities and structure. Lenders need it to understand your operational scope and ownership changes over time. 

3. Power of Attorney / Board Resolution (if applicable) 

This is needed if someone other than the owner is signing on behalf of the business. It ensures legal authority and clarity in representation. 

4. Sister Companies’ Trade Licenses (Same Owners) 

Shows the full business portfolio of the owner(s). This helps lenders evaluate the overall financial ecosystem and exposure. 

5. Ejari / Tenancy Contract for office, store, warehouse or factory 

Confirms your business has a physical address. It increases trust and is often required for KYC (Know Your Customer) purposes. 

6. Passport, Visa & Emirates ID of Owner(s) & Manager 

Essential for identity verification and KYC compliance with UAE banking and financial regulations. 

7. Bank Statements (Last 12 Months) 

This gives a real-time picture of your cash flow, spending behavior, and ability to repay a loan. 

8. VAT Statement (Last 4 Quarters) 

Demonstrates business activity and helps lenders estimate your turnover and tax compliance. 

9. Corporate Tax Certificate 

As UAE corporate tax becomes mandatory, this document is key for showing compliance and net income data. 

10. Landline Telephone Bill 

An extra layer of address verification and operational authenticity for your business. 

11. MOL Employee List & WPS Report (Last 3 Months) 

Shows you’re a compliant employer and that you’re actively running payroll—an important health metric for businesses. 

12. Supplier List & Recent Purchase Invoices 

Indicates your supply chain activity and confirms business transactions through your bank. 

13. Top Buyers & Sales Invoices (Last 60 Days) 

Gives insight into your revenue streams and confirms active business operations. 

14. Purpose of Loan + Quotations or LPOs 

Explains how the loan funds will be used. Attaching quotations or LPOs supports the credibility and seriousness of your intent. 

15. Credit report & score (Al Etihad Credit Bureau AECB) 

It’s good to review the credit report for business owner(s) and Manager(s). This shows current exposure of the company, and its re-payment behavior on financial & telecom outstandings. A good score can help to prove that you are a disciplined borrower. 

⭐Pro Tips for a Smooth Loan Application 

• Start Early – Gather documents in advance to avoid delays. 

• Double-Check Details – Errors can cause rejections.  

• Review Credit Report (AECB) – clean record increases approval odds  

• Good monthly average balance in business bank account – Shows strong cash flow 

By understanding these requirements, you’re one step closer to securing the funds your business needs. Let Easy Capital handle the rest! 

How Easy Capital UAE Helps You Get Approved Faster 

✅ Expert Guidance – We streamline document collection for fast business loan approval. 
✅ Strong Lender Relationships – Banks trust our due diligence, improving success rates. 
✅ Tailored Solutions – Whether you need a POS loan in Dubai or working capital of simply a Business Loan, we find the best fit. 

This guide is for informational purposes. Loan criteria may vary by lender. For personalized assistance, consult easy Capital’s experts.