How can an SME in the UAE get a term loan to fund expansion?

How a term loan works

A term loan is a fixed amount of funding repaid over an agreed period, usually in monthly or quarterly instalments. It suits one-off, long-term uses such as opening a new branch, buying equipment, acquiring a business or refinancing more expensive debt.

Pricing, tenor and security vary by funder and depend on your financial profile. Some lenders take security over assets or receivables, and many ask for personal or corporate guarantees.

Is a term loan right for your business?

• You have a specific, one-off investment with a clear payback.
• Your business has an operating track record and reasonably predictable cash flow.
• You would rather keep ownership than raise equity.
• You can service fixed repayments even in a slower month.

What funders usually look at

• Audited financial statements and recent management accounts
• Bank statements showing turnover and account conduct
• Existing debt and how well it has been serviced
• Your credit report from the Al Etihad Credit Bureau (AECB)
• The business plan and projections behind the expansion

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.