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Business loans in Dubai and the UAE for mainland and free-zone companies
USD financing for UAE companies, with the dirham pegged to the dollar so exchange risk is low.
Who we help in Dubai / UAE
We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
All financing is arranged in USD.
Mainland companies
Businesses licensed by an emirate’s economic department that can trade across the UAE.
Free-zone companies
Firms in zones such as DMCC, JAFZA, DIFC or IFZA, often trading internationally or re-exporting.
Re-export and trading businesses
Importers and re-exporters of goods that move through Dubai’s ports and airports.
Services and hospitality
Consultancies, hotels and tourism businesses with growing demand.
Registration and documents
Lenders typically ask for:
- Trade licence and Memorandum or Articles of Association
- Emirates ID and passports of shareholders and managers
- Six months of UAE business bank statements
- Tenancy or free-zone lease, and VAT registration number if registered
Borrowing in USD
The dirham is pegged at about 3.6725 per US dollar, so a USD loan carries very little exchange-rate exposure for AED earners. That is a major reason Dubai companies borrow in dollars.
Typical uses
Trading and re-export
Bridge payment gaps with working capital loans.
Warehouses and fleets
Vehicles and racking suit equipment financing.
A second branch or market
Opening in another emirate or country may suit expansion loans.
An illustration
A DMCC free-zone company re-exports building materials and waits 45 days for payment. It needs USD 200,000 for two months. Lenders review its licence activity, UAE bank statements and customer contracts, then decide the amount and security.
For illustration only. This is not an offer, rate or quote.
Local points to know
Free-zone companies may face limits on trading onshore, and lenders will ask whether the licence activity matches the business. UAE corporate tax and VAT registrations are checked where applicable. We do not give tax or legal advice.
JP Lending helped me secure funding to open my new office overseas, and the experience was flawless. No upfront fees, clear communication, and fast approvals. I felt supported throughout. They truly care about helping businesses succeed
Frequently asked questions
Can free-zone companies borrow?
Yes. Lenders will check the licence activity and where the customers are.
Do I need to be a UAE resident?
Shareholders and managers usually need Emirates ID. Foreign owners may be asked for additional ID.
Is the loan in dirhams?
Financing is arranged in USD. Because the dirham is pegged to the dollar, exchange exposure is low.
Related financing options and other regions
Working capital loans
Short-term funding to bridge payment gaps and seasonal swings.
Loan typeEquipment financing
Finance for machinery, vehicles and technology, often secured on the asset.
Loan typeBusiness expansion loans
Funding to open a new site, enter a new market or scale up operations.
RegionUnited States
USD financing for foreign-owned US companies and non-US founders.
RegionRest of Europe
UK and European companies borrowing in USD against euro, pound and other revenue.
RegionNetherlands
Dutch BVs and exporters borrowing in USD against euro revenue.
Ready to apply for business funding?
Complete our online application in minutes. No upfront fees.