How do POS loans work for restaurants and retail shops in the UAE?

How a POS loan works

The funder reviews your card sales history through your point-of-sale (POS) provider or acquiring bank. It advances an amount based on that history. A set share of each day's card settlements then goes towards repayment until the amount and agreed charges are repaid.

Who it suits

• Restaurants, cafes and cloud kitchens
• Retail shops and e-commerce businesses with card sales
• Clinics, salons and other walk-in service businesses
• Seasonal businesses that need stock or staff before peak periods

Things to check before you sign

• The total cost of the funding, not only the headline fee
• The share of daily card sales that goes to repayment
• Whether you must keep your card processing with a specific provider
• What happens if sales fall sharply

How SYG International helps

1. We review your financials, cash cycle and existing banking to confirm the right product and size.
2. We structure the request and prepare a credit package that funders can assess quickly.
3. We approach suitable banks, fintechs and private lenders in parallel, so you can compare offers.
4. We negotiate terms with you and manage documentation through to drawdown.

Frequently asked questions

SYG International advises on, structures and arranges funding. We do not lend. Final decisions, pricing and terms rest with each funding institution.