Ultimate Guide to Business Loans and POS Loans in the UAE for SMEs (2025)
If you run a small business or you are retail merchant in the UAE, getting the right loan can make a big difference. Whether you're planning to expand or need help with cash flow, this guide will help you understand how to get a business loan (a POS Loan) in the UAE fast and easy
Finance
Jun 6, 2025
What Is a Business Loan?
A business loan is money you borrow to help your company grow or manage expenses. You repay it in small amounts every month, with interest.
Many banks in the UAE offer loans made just for SMEs and retail merchants. These include SME loans in Dubai, Working capital loans, and POS loans.
Types of Business Loans in the UAE
Here are 3 types of loans:
Term Loan – Borrow once, pay back monthly (good for buying equipment or expanding).
Working Capital Loan – Use for daily needs like rent and salaries.
Invoice Financing – Turn unpaid invoices into quick cash.
Ahmed Logistics’ expansion in Sharjah
Ahmed, the owner of a logistics company in Sharjah, faced cash flow challenges due to delayed client payments. Seeking a solution, he turned to Easy Capital, who helped him apply for an invoice financing loan. Within four days, the funds were credited to his account, enabling him to pay his drivers and fuel bills on time. This timely financial support allowed his business to operate smoothly and double its monthly deliveries.
Who Can Apply for a Business Loan (POS Loan) in UAE?
You’ll need:
A valid trade license in UAE
At least 1 to 2 years of business activity
Valid Emirates ID and passport copies of owner(s)
Bank statements, showing credits from POS or Payment Gateway (merchant settlements)
VAT statement (for past 2 quarters)
Your credit score also matters both personal and business.
How to Apply for a Business (POS) Loan
Check eligibility with different banks
Prepare your documents
Choose the right loan for your needs
Submit your application
Wait for approval usually a few days to a week
Banks may call you to ask questions. Be ready to explain your business clearly.
💡Tips to Get Approved Faster
Keep clean financial records
Avoid too many loan applications at once
Make sure your bank account shows steady income
Have a short and clear business plan ready
Best Banks for SME (POS) Loans in UAE
Some of the most trusted banks for business loans:
ADCB (Abu Dhabi Commercial Bank)
Dubai Islamic Bank
Emirates NBD
Mashreq Bank
RAK Bank
Each bank has different loan terms and pricing, so compare before choosing.
📋 Quick Summary
Step | What to Do |
|---|---|
1 | Pick the right loan |
2 | Check your eligibility |
3 | Prepare documents |
4 | Apply online or in-person |
5 | Wait for approval |
7 | Use funds for your business goals |
Getting a business POS loan in the UAE doesn’t have to be hard. With the right info, documents, and planning, your funding can be just a few steps away.
Client Success Story – Easy Capital UAE
“No bank. No investors. Just rejection — until Easy Capital UAE stepped in.”
Nadia, a young cafe owner in Sharjah, had a dream: to grow her home-grown coffee brand into something bigger. But despite months of reaching out to banks and pitching to investors, she was turned down every time too new, too small, too risky.
I nearly gave up. Every door closed because I didn’t have big numbers or collateral,” she recalls
That’s when she found Easy Capital UAE. Unlike the rest, we looked beyond just numbers. Within 3 days, she had a tailored business loan offer no complex paperwork, no hidden conditions, just a flexible solution that fit her stage.
They didn’t just fund me. They understood me.
Today, Nadia’s Café has grown to three thriving locations, and she proudly credits Easy Capital UAE as the turning point in her journey.
