SME Flex provides funding solutions for registered SMEs operating in the UAE. To qualify, your business should have a valid trade license, at least 2 years of operations, 4 quarters of VAT, and a stable revenue flow.
Apply For a Business Loan
Why Choose US
At SME Flex, we make business funding simple, fast, and transparent. Our 100% digital process ensures quick approvals without the hassle of paperwork, while our flexible finance options are tailored to meet your business goals.
6-Step SME Flex Application Process..
At SME Flex, we’ve designed a simple and transparent process to help applicants get started quickly
Receive Application Link
- Eligible applicants receive a personalized link via email to begin their application
Complete Pre-Application Form
- The link opens a pre-application page where applicants fill in their basic details and referral code, then create an account on the SME Flex platform.
Register & Verify
- Applicants register through a basic KYC form, creating a secure login and password to access the SME Flex portal.
Submit Loan Application
- Applicants fill out the Pre-Screening Loan Application Form and upload all required supporting documents.
Pay Subscription Fee
- Once the application and documents are verified, the applicant submits the subscription fee to finalize the process.
Document Review
- A SME Flex Analyst reviews the submission to ensure all documents are complete and accurate. Referrers may assist applicants in completing any missing requirements.
SME Flex’s Key Business Finance Features
Empowering businesses with flexible, transparent, and customized financing solutions.
Unsecured Business Finance
- Interest Rate: 18% – 25% Tenure: Up to 60 Months Ideal for SMEs seeking quick working capital without collateral.
Machinery Finance
- Interest Rate: 14% – 20% Tenure: Up to 60 Months Designed to help businesses upgrade or purchase new equipment with ease.
Point-of-Sales & E-Commerce Finance
- Interest Rate: 15.57% – 18% Tenure: Up to 60 Months Tailored for merchants and online businesses to boost cash flow and operations.
Islamic Term Finance
- Profit Rate: 10% – 17% Tenure: Up to 60 Months Sharia-compliant financing for ethically aligned business growth.
Collateral-Based Financing
- Interest Rate: As low as 9% Tenure: Up to 84 Months Secure long-term funding backed by assets or equipment.
Value-Added Services
- financing experience with SME Flex’s expert advisory, business assessment tools, and personalized funding strategies — ensuring your business gets the right financial support at the right time.
Let’s Get You Funded
Complete the quick form below, and our experts will contact you with the best SME funding options available for your business
Frequently Asked Questions
We want to create superior value for our clients, shareholders and employees. And we want to stand out as a winner in our industry for our expertise, advice and execution
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1. What type of businesses are eligible for SME Flex funding?
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2. How much funding can I apply for?
You can apply for funding between AED 100,000 and AED 50,000,000, depending on your business performance, turnover, industry and collateral.
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3. How long does it take to get approved?
Our process is designed for speed and transparency. Once your documents are submitted, the process takes time and usually ranges from a few days to a couple of weeks.
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4. Do I need to provide collateral?
SME Flex offers both secured and unsecured funding options. Depending on your specific requirements, we may request collateral or guarantees for secured funding.
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5. What are the interest rates or profit rates?
Our rates are competitive and transparent, determined by your business profile, financial health, and repayment term. You’ll receive a clear offer before accepting with no hidden charges.
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6. Can I apply if I already have an existing loan?
Yes, you can still top up your existing loan! We’ll simply review your repayment capacity and current commitments to determine the additional amount you qualify for.
Strategic Partnerships
Trusted Funding Partners
Together with our funding partners, we make business financing faster, easier, and more accessible for SMEs.
