business loans
Business loans and business finance
Eight named provider routes for SME or commercial Islamic finance across the United Arab Emirates, Malaysia, the United States, Saudi Arabia, and Qatar. They cover materially different jobs—working capital, POS-linked finance, micro-enterprise finance, equipment and trade assets—so they are an evidence directory, not a single interchangeable ranking set.
Compare these fields
legal business location, entity type, operating history, and turnover · working-capital, equipment, inventory, property, or trade purpose · Sukuk/commodity Murabaha, Tawarruq, Ijarah, or bespoke structure · secured/unsecured status, collateral, guarantees, and covenants · minimum/maximum finance amount and tenure · profit benchmark, fixed/variable pricing, APR, and total payable · processing, documentation, brokerage, legal, takaful, and cancellation fees · early settlement, rebate, default, enforcement, and asset-sale treatment · current KFS/PDS, entity regulator, and product-level Shariah evidence · commercial offer status and country-specific availability
Dubai Islamic Bank PJSC
Business Finance
Sukuk Murabaha SME business finance
- The product is based on Sukuk Murabaha and is positioned for eligible UAE business expansion and financing needs.
- Published maximum finance is AED 2 million with tenures from 6 to 36 months.
- Eligibility requires a UAE-incorporated company, at least two years in business, and minimum annual turnover of AED 1 million or equivalent.
- The provider publishes separate profit bands by tenure and whether the customer is new or existing to the bank.
- DIB links a Key Facts Statement, warnings, and Shariah certificate from the exact business-finance page.
Published profit bands and AED 2 million are not offers. Business activity, beneficial owners, turnover evidence, purpose, sukuk assets, security/guarantees, processing fees, APR/total sale price, early settlement, default, and sanctions/sector eligibility require the current KFS, certificate, facility offer, and Murabaha documents.
Maybank Islamic Berhad
SME Micro Financing / Commodity Murabahah Term Financing-i
Commodity Murabahah term finance for micro businesses
- The Islamic option is Commodity Murabahah Term Financing-i, described as a Shariah-compliant cost-plus-profit commodity transaction.
- The current route publishes financing from RM3,000 to RM50,000 for up to five years.
- The route is for eligible Malaysian micro enterprises and requests business-registration and operating/financial documents.
- The published purpose is business working capital and related micro-enterprise financing, subject to credit assessment.
- The provider links a product disclosure sheet for the SME Micro Financing route.
The page also describes a conventional term-loan option, so only the expressly selected CMTF-i route belongs in Islamic-finance evidence. Exact eligibility, rate, total sale price, collateral/guarantee, takaful, fees, late payment, rebate, early settlement, and default require the current Islamic PDS and approved facility letter.
Devon Bank
Commercial Islamic Financing — Business Equipment and Trade Goods
Murabaha equipment/trade-goods finance or Murabaha guidance line
- Devon Bank publishes Murabaha financing for business equipment and trade goods as either single transactions or an aggregate guidance line.
- The bank also publishes commercial real-estate Murabaha/Ijara, real-estate-backed lines, construction finance, and Shariah-structured letters of credit as separate routes.
- The provider warns that availability is limited by the state where the business is located and that the page is not an offer in unlicensed jurisdictions.
- The exact solution is custom-tailored and requires direct review with a Commercial Islamic Financing Specialist.
- Devon Bank identifies itself as an FDIC-insured bank on its official site, but deposit insurance does not insure a financing transaction or the customer's business outcome.
No public current amount, rate, term, fee schedule, state-by-state authorization mapping, collateral/guarantee terms, default waterfall, or product-specific Shariah certificate is attached to the equipment/trade-goods route. Keep this record on HOLD and do not combine it with Devon's home Murabaha or conventional commercial-loan products.
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Abu Dhabi Islamic Bank PJSC
Small Business Finance
SME working-capital and CAPEX finance
- ADIB positions the product for UAE SMEs seeking working-capital finance for local or international purchases or CAPEX finance for equipment, machinery, and vehicles.
- The current product page publishes financing up to AED 2 million and describes working-capital finance as collateral-free, subject to criteria.
- Published eligibility includes a Shariah-compliant business, at least three years of operation, and annual turnover between AED 5 million and AED 45 million.
- The application asks for trade licence and constitutional documents, 12 months of bank statements, and audited financial statements for finance above AED 1 million.
- ADIB publishes a business-financing KFS that separately describes working capital, asset/CAPEX, vehicle, equipment, and real-estate solutions.
The AED 2 million ceiling and collateral-free description do not apply automatically to every CAPEX or asset route. Exact Shariah structure, purpose, security, owner guarantees, amount, tenor, profit/APR, processing and documentation fees, takaful, covenants, early settlement, default, and total payable require the current KFS and facility agreement.
Bank Islam Malaysia Berhad
Business Financing-i
Shariah-compliant SME business-financing facility
- Bank Islam publishes a dedicated Product Disclosure Sheet for Business Financing-i rather than treating it as personal finance.
- The disclosure requires the applicant to maintain payments and warns that legal action may follow if facility obligations are not met.
- The PDS identifies Bank Islam Malaysia Berhad as the contracting provider and Bank Negara Malaysia as an external complaint/escalation route.
- Product questions and applications are handled through Bank Islam branches and its SME assistance channel.
- The PDS establishes that applicant-specific facility information, payment obligations, charges, risks, and remedies must be reviewed before acceptance.
The public PDS is dated October 2023 and does not establish a universal current amount, tenure, purpose, structure, rate, security, guarantee, takaful, early-settlement formula, or availability. Treat it as product existence and disclosure evidence only; obtain the current purpose-specific PDS, approval letter, security documents, and facility agreement before comparison.
Al Rajhi Banking and Investment Corporation
POS Finance for Micro and Small Businesses
POS-turnover-linked micro and small business finance
- The product uses the business's POS transaction history as part of assessment and is intended for micro and small enterprises' financing needs.
- The current official route publishes terms from 12 to 60 months.
- The page publishes a finance range beginning at SAR 50,000 and extending to a stated ceiling subject to credit policy and customer profile.
- Required records include owner identity, commercial registration, Nitaqat and national address, activity licence and premises evidence, entity constitutional documents, and bank statements for non-Al Rajhi customers.
- The official APR table is expressly illustrative and states that APR varies with amount, management fees, term, and individual credit assessment.
The official page contains inconsistent headline ceilings, so no single maximum is asserted here. POS history does not guarantee approval. The exact Shariah structure, eligible settlements, assigned receivables/security, owner guarantees, amount, tenor, APR, management fees, early payment, delinquency sweeps, default, and total payable require the applicant quotation and contract.
Qatar Islamic Bank Q.P.S.C.
Aamaly SME Financing Solutions
Relationship-led Shariah-compliant SME and trade finance
- QIB's current corporate product directory presents financing and trade-finance solutions for Qatar businesses, including working-capital support and structured financing.
- The bank publishes an Aamaly SME proposition supported by specialised SME relationship centres and digital corporate channels.
- QIB's official financial-inclusion statement identifies Shariah-compliant SME working-capital support, project financing, and advisory services.
- The corporate directory separates trade finance, treasury, payments, cards, and financing rather than treating all services as one loan.
- QIB states that it works with Qatar Development Bank and other national institutions to expand SME access to finance.
This official directory verifies the Aamaly/SME financing route but does not publish a comparable standard amount, term, price, fee, collateral, guarantee, or contract structure. Do not rank it against packaged SME facilities until the exact applicant purpose, QDB involvement, term sheet, KFS, Shariah contract, security, and total payable are captured.
Emirates Islamic Bank PJSC
Business Financing — Murabaha and Ijarah Solutions
Business working-capital and asset-acquisition finance
- Emirates Islamic publishes business financing for cash-flow management, asset acquisition, and expansion requirements.
- The official business route identifies Murabaha and Ijarah as available financing structures.
- The corporate route distinguishes short-term Murabaha working-capital finance for raw materials, parts, supplies, and inventory from medium- or long-term asset finance.
- Published short-term solutions include corporate working-capital Murabaha, finance against receivables, and Islamic covered drawings.
- Published longer-term solutions include Murabaha facilities and Corporate Ijarah for property, plant, machinery, and other fixed assets.
The public page is a solution catalogue, not a standard SME offer. Working capital, receivables, covered drawings, Murabaha, and Ijarah are distinct facilities. Amount, term, profit benchmark, fees, eligible assets, security, guarantees, takaful, covenants, early settlement, enforcement, and availability require the current applicant term sheet and contract pack.