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Get Online commercial vehicle loan in Dubai

Comprehensive facilities can meet your short-term liquidity requirements by discounting future posted checks (PDC). Our cheque discounting service provides instant access to liquidity by discounting checks and simultaneously crediting your account. The check discount product is a circular financing mechanism that reduces the company's cash conversion cycle and improves liquidity throughout the year.

 Features of Cheque Discounting

  Offered to UAE registered businesses and UAE Nationals

Competitive Revolving facility which reduces the company's cash conversion cycle, and improves liquidity.

High Facility limits

Flexible tenors ranging between 30 days to 120 days for discounting

Low Interest rates

Low Cheque Discounting Commission per cheque

Low Processing Fees

 A letter of credit is a financial document used in international trade. This is the payment guarantee provided by the bank to the commodity supplier. If the buyer does not pay, the "letter of credit" issued by the bank is a promise to the seller. The letter of credit in Dubai is called "the lifeblood of international trade."

 Commercial Vehicle Loan Dubai

In Dubai, the price of a new car can range from several thousand to several million, depending on the make or model. Of course, not everyone can make the full payment. If you do not have the necessary funds, or prefer to use the remaining cash for other expenses, you can apply for a car loan in Dubai at any time. But first, you need to understand how the process works in the UAE. Depending on your situation and financial situation, the "automatic loan eligibility requirements" are different. Whether you're looking for a commercial vehicle loan in Dubai or want to finance a new wheelset Smefin will help you.

 When the business expands, it generally requires investments in equipment, machinery equipment loan UAE, vehicle equipment, and other business assets. Solutions provided by CBD Commercial Bank can meet business asset or equipment purchase requirements. The product package provided includes different types of equipment, such as construction equipment, medical equipment, and professional equipment. The structure of these offers allows clients to choose to use their assets as funds for purchase transactions. If you need loans against construction equipment loan finance.

 Trade and Working capital financing is commercial financing intended to increase the company's available working capital. It is usually used for specific growth projects, such as signing larger contracts or investing in new markets. Develop businesses, which will recover in the short and medium term.

 Asset financing means using assets from the balance sheet, inventory, short-term investments, etc. from the business to obtain loans or borrow money. The company that borrows these funds must provide the lender with a collateral on the assets. Asset financing allows companies to buy equipment, such as machinery, vehicles, or almost any equipment that helps strengthen their business. This also helps free up cash from the value of assets the business already owns. Asset financing Dubai is a form of financing that applies to the purchase of tangible and intangible assets.

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Smefin Business Loans in Dubai and UAE

It's very simple, easy, fast and flexible

 As a business owner, you can now manage your business and make more effective decisions. Choose Smefin Business Loan Dubai UAE and take the first step towards achieving your corporate goals.

 Features And Benefits

High Loan amount of up to AED 1 million

No collateral required

Flexible repayment period of up to 24 months

Simple documentation and instant approval process

Competitive interest rates

A dedicated Relationship Manager to service all your corporate needs

A Business Current Account with No Minimum Balance Requirement

Choice of Islamic Business Finance

 Eligibility Criteria for Business Loan

Minimum length of business of 2 years

Minimum annual sales turnover of AED 1.5 mio

 Documentation

Application form

Trade license copy

Incorporation documents as applicable i.e. Power of attorney (POA), Memorandum of Association (MOA) or Article of Association in case of an LLC, Partnership agreement

Last 12-months bank statement (Mashreq account not required)

All partners valid passport with residence visa page for expatriates

All documents are required to be valid at the time of evaluation

  SMEFIN provides pos loan, business credit card, invoice discounting, fleet finance, loan against property, fleet finance, medical equipment loan finance etc.

 Invoice Discounting

Invoice discounting is a practice that consists of using a company's unpaid accounts receivable as collateral for loans issued by a financial company. This is a very short-term lending method, because once the amount of the collateral for accounts receivable changes, the finance company can change the amount of the outstanding debt. The amount of debt issued by the finance company is less than the total outstanding accounts receivable (generally less than 80% of all invoices during 90 days). Generally, the choice of a finance company is not simply to allow a certain percentage of all outstanding invoices, thus relying on the distribution of accounts receivable among many clients to avoid loss of collateral.

   At SMEFIN.AE we help you to equip your Business for success and to build your business ambitions.

When the business expands, it generally requires investments in equipment, machinery, vehicle equipment, and other business assets. Solutions provided by smefin can meet business asset or equipment purchase requirements. The product package provided includes different types of equipment, such as construction equipment, medical equipment finance, and professional equipment. The structure of these offers allows clients to choose to use their assets as funds for purchase transactions.

 Do you want to get more money from the property you own? Now you can get a ready-made freehold property loan in Dubai.

 When looking for a loan against property in Dubai, you should compare various loan products to find the cheapest option that best suits your needs. You must consider many factors, such as interest rates, credit scores, and other factors to choose the right option.

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Commercial Vehicle, Construction and Equimpent Financing Loans in UAE

Dubai consumers and businesses can get a wide range of lending options from credit cards and credit lines to high-interest payday loans. Other countries have little differences, which occasionally makes those who have spent a lot of time overseas Americans. One of the examples is a check discount, which is a freshman in China, but it is very common in other places.

  Check Discounting in Simple Terms

In the simplest form of Cheque Discounting, financial institutions allow you to extract funds on checkings without waiting for checks. More complex discounts use long-term checks, creating the conditions equivalent to short-term loans for the amount and time frame of the check. Loan institutions usually charge the interest rate of the withdrawal amount, as well as different series of service charges between the agencies and countries.

  SmeFin Loans

SmeFin commercial vehicle loans ensure minimum formalities and flexible repayment periods that will put you in the driver’s seat quickly and conveniently.

 Fast and Flexible Commercial Vehicle Loans in Dubai with SmeFin

When you are on the road, everything you need is get a car and more. Function Box Car Loan Lets you start your road trip with your dream car and a range of exclusive benefits and savings to ensure your unparalleled ownership experience. When you are on the road, everything you need is a car and more. Function Box Car Loan Lets you start your road trip with your dream car and a range of exclusive benefits and savings to ensure your unparalleled ownership experience.

 We offer easy to pay emis on commercial vehicle loans with the very minimal interest rate.

  Features and Benefits of SmeFin

  High loan amounts of up to AED 3,500,000

Special low interest rates starting from 4.25% flat rate p.a.*

Option of 90 day first payment holiday

For companies with a one-time or recurring requirement for vehicles

For companies with business interests in transport or non-transport sector

Finance available across a wide range of vehicles:

Finance may be extended through a loan or credit Facility

Low Interest rate starting from 1.99% for salaried customers

No salary transfer needed for salaried customers

First installment after 60 days

Flexible repayment periods up to 60 months

Finance available for companies with 2 Years or more Length of Business

Finance available for Insurance, Rustproofing, service and maintenance contracts, and GAP if required

No hidden charges

RAKdirect 24-hour phone banking support

We provide auto loans for the following vehicle categories:

passenger cars/ vehicles, light commercial and medium

commercial vehicles

New and used cars

Sports and luxury cars

Light commercial vehicles such as buses, pickups and trucks

Motorbikes

 Especially for your business overall needs, SmeFin construction equipment loan financing and machinery equipment loan UAE combines many great features and benefits to provide you with one of the most comprehensive solutions in the market. This product can be used to purchase new construction equipment and commercial vehicles in the UAE and register in RTA Dubai and Abu Dhabi to meet your business needs.

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Funding option for Your New Business!!!

Whenever we start a business, be it small or big, we need funding to invest for its survival and growth. If you are also planning to start a new business in UAE but are confused about where to take funds, then you should consult with experts. Most probably, you would also be looking for some best ways of funding. The requirement of the funding & its ways may vary from business to business. So, we might help you in making your decision & availing best offers from finance providers in UAE. Smefin provides you the best funding opportunities. From here, you can apply for the SME loan to kick-start your business in Dubai & Saudi Arabia. Loan Against Property

SMEfin Loan Services 

SMEfin is a way of smart business financing for various purposes. They deal in business loan, trade finance, and, most importantly, asset financing. The best thing is that they do not hide anything from their clients and provides an experience of safe and secure financing. They have a tie-up with all the leading banks of UAE to provide you the best experience ever in terms of financing. Although it a platform where you can easily get all the financing solutions in one go. The main motive is to provide you a safe, secure & easy way of financing. From SMEfin, you can take professional advice & solutions to your various finance problems.

Loans to start a new business 

The major requirement of a loan is for a new business or to grow the existing business. However, it is a difficult task to choose an appropriate company for a business loan. From SMEfin, you can get solutions for a Business loan UAE. 

It is one of the fastest and hassle-free ways to get your loan approved from various loan lenders all over Dubai. Getting a Business loan Dubai has now been easy for your small & medium scale business with less documentation.  

Loan to grow your business

Here not only the business loan if you already have an existing business and want to expand. You can also go for asset financings like commercial vehicles, instruments, and much more. The best opportunity is provided by SMEfin for transporters to avail of a loan on their trucks, heavy vehicles, trailers, or commercial vans. So, with the help of a Commercial vehicle loan, you can now easily start your transporting business in UAE.

Also, if you are thinking of launching a construction business, you would require financing for the basic equipment. Also, from here, you can avail of a loan against Constructional equipment. Invoice Discounting will be a kind of mortgage or asset financing, though the amount would be accordingly decided so you can get in touch with SMEfin.  

Final words

To get your pos loan solution across UAE, you can consider SMEfin. You can easily choose an appropriate loan by making a request & comparing offers by 25+ lenders around UAE. You can get quick approval with less paperwork and in less time for any of the loans from Dubai & Saudi Arabia.  

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UAE Top Trade & Asset financing solution!!!

In our everyday business life, we need financial assistance for proper trading and managing the asset. However, the financial support helps you in conducting trade activities and manages business liquidity. Are you looking for banks & financial institutions providing you funding’s using your credits & assets? Here is the one link solution for you, SMEfinis the solution for your financial assistance with expert advice and lots of offers from leading lenders around the UAE. 

SMEfin for trade & asset finance

SMEfin is one such online option providing you these services with the support of leading banks & financial institutes of UAE. They are one of the best in providing their clients safe, secure & expert financing service. Also, you can contact them for expert guidance in trade & asset financing. It is one such solution for all your business financial problems. 

Trade and Working Capital Finance in UAE

In trade finance, you are provided funding support against the credit transactions made for your business. It is the easiest way to exchange credit papers for money from banks or financial institutions. If you are also looking for Trade finance Dubai you can contact SMEfin for expert financial assistance in trade financing.

From SMEfin you can get finances against various trading ways for more liquidity in your business. There are many credit papers like credit invoices, cheques, letters of credit, bank Guarantees, overdraft & receivables. You can use these trading documents to get discounted finances. It is one of the best ways to get easy finances if you also have credit documents with you. You can submit these to banks and get a value against that, which you can invest somewhere or use in your business. Trade and Working Capital Finance is  one of the best services you can easily take from SMEfin.  

Working capital is the income available after reducing the liabilities from the assets. Working Capital Finance is a way of financing in which your working capital is calculated, and according to that, you are provided with the funding. However, you can avail this service in Dubai & Saudi Arabia from top financial institutes. It can easily be provided to you online in easy steps with the help of SMEfin. 

Asset Finance UAE

For business growth, it needs proper management of finances to invest in assets. So, if you also want to grow your existing business & invest in some new machinery or equipment, you can go for Asset FinanceDubai. SMEfin provides you the best service from 25+ leading lenders in UAE. You can get your funding done in easy steps with the help of SMEfin from these top banking institutes.

Final words

Get personalized expert financial advice for using credit papers & assets across UAE from SMEfin. Effortlessly apply for financing, compare plans, talk to experts, get easy personal guidance and funding.

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Working Capital Finance

Capital raising can be a big challenge for startups and SMEs. Working Capital Finance(WCF) is on the side of the small business owners. Smefin asset finance dubai want to help owners drive their business harder and grow rather than have cash tied up in debtors. Smefin gives you immediate cash flow for your unpaid invoices

  Asset Finance Dubai

Asset finance in Dubai is a form of financing that is applied to the purchase of intangible and tangible assets. Asset finance means the use of a company’s behance sheet inventories, assets, short term investments or any form of assets to get a loan or borrow money. If you are going to start your own business in Dubai or UAE you will need investment or some kind of loan to run your business or company.

 Start your business journey or scale your existing business or company in UAE with asset finance dubai.

Construction Equipment Finance

Want loan for the new construction equipment here we are to help you in construction equipment loan at best interest rates in UAE or Dubai. With over 100 years of cumulative experience our professionals can put together an in depth program to meet your capital needs. We offer a variety of products and programs that are structured for your business success. Smefin offers a range of financing and leasing solutions to individuals and businesses to help raise capital and support your business objectives. Our construction financing specialists will guide and work with you to choose and customize the financing options that fit your business perfectly.

  Equipment acquisition financing and leasing

Working capital loans and leases

Dealer inventory finance programs

Specialized loans, involving balloon and seasonal payments

Rental fleet finance programs

Financing throughout the Dubai and UAE

Sale and leaseback

 Smefin offers a wide range of leasing and financing solutions to help your business to conserve capital and support which will support your company or business objectives. Our construction equipment financing specialists will work with you to choose and customize the financing options that perfectly fits your business.

  Financing and Leasing for new and used construction equipments

Direct Lender

SBA programs for working capital, buyouts, remodeling and expansion

Growth capital for high growth companies

Asset based loans

Asset based lines of credit

24 to 48 hours of turnaround

2 to 3 hours of instant approval

  Avail Machinery Equipment Loan

Equipment financing gives you finance upto 100% of the cost of the new or used equipment for your business. Such as ovens for a restaurant, company or machinery equipment for your business. Machinery equipment loan are available at affordable and reasonable interest rates with Smefin financing company in UAE. Smefin offers the best interest rate based machinery loan UAE to scale and support your business. You will want to compare your equipment loan options and find the most cost effective way to finance the purchase or machinery.

  Business Machinery Loans in UAE with maximum Benefits and features

SME’s(Small and Medium enterprises) who want to expand or scale the business by investing in machinery and other commercial assets can now avail Machinery Finance through Smefin.

 Features and Benefits

SMEs can also avail commercial vehicle loans

Medium and long term financing at very attractive and reasonable rates

Re-finance option is also available on some selected assets

Higher loan eligibility for businesses with a repayment tenor

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Find Best Invoice Discounting in Dubai, Trade and Working Capital Finance Offers and Lenders across UAE, Grow your Business faster with Trade and Working Capital Finance. Invoice Discounting

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Types of Commercial Loans

When choosing a loan, you need to consider a set of factors that allow you to compare some credits with others, regardless of type, mortgage, personal, or commercial. Interest rates: You need to identify whether the interest rates they offer are fixed, variable, or mixed credit period. The utility of commercial credit is related to the acquisition of goods with commercial value and certain useful life, such as automobiles and equipment.

 A Letter of Credit in Dubai is an assurance that the issuing bank pays a third party or beneficiary (seller or exporter) for the delivery of normally required documents, as directed by the client or payer (buyer or importer). Letter of Credit in Dubai is a means of Proof of shipment of a particular item (customs clearance certificate, purchase invoice, insurance). Letter of Credit in Dubai function is to guarantee remote sales in the same country and to export the goods to other countries.

Working capital finance

Companies have a set of costs that they must always pay attention to in their daily performance. This is the case, for example, for inputs, purchases of raw materials or goods, payment of taxes, payments to suppliers, and salaries themselves. There may also be growth opportunities and important orders from customers. To deal with these situations, companies need resources quickly or in a very short period of time. Working Capital Finance is a tool designed to meet that need.

 Working Capital Finance is one of the most frequent in the business arena, as pointed out by the specialized portal mercadodecredito.com. This is due to the fact that companies do not always have the liquidity they need to meet these requirements. Unexpected things can happen, such as delayed payments to some clients or the need to address certain situations, such as paying bonuses to staff.

 Construction machinery loan

Basically, Construction Equipment Loan or construction equipment finance is a short-term, high-interest loan designed to finance home construction. They can be used to cover most construction-related costs:

  ground

Labor force

material

Authority

Construction plan

Fee

Closing cost; etc.

 If you already have land, a mortgage gives you the flexibility to focus on building your dream home without worrying about it.

 Machinery and equipment loan

When considering the creation of economic value, it is useful to consider that different resources are needed to take advantage of our competitive advantage. Machines and equipment are indispensable among the various resources we need. Machinery Equipment Loan enables us to carry out various processes within our production chain. When considering the availability of the machinery and equipment you need, it is useful to consider raising funds as a source of funding.

 There are various types of machinery loan UAE that we have at our disposal, which can be very helpful when considering investing in machinery and equipment. The most important of these types of financing are credits and leases. Loans provide the liquidity needed to acquire the machinery and equipment needed for our business, and leases make certain physical assets available for use in the production process.

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Loan Against Property | Commercial Property Loan in UAE | SMEFin

Find Best Loan Against Property Finance & Commercial Property Finance Offers and Lenders across UAE , Grow your Business faster with Commercial Property Loan , SMEFin help's to find the right options for you

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Business Loan Dubai - Small Business Finance in UAE - SME loan

Find Best Business Loan Dubai Offers and Lenders across UAE, Grow your Business faster with Business Finance. Get SME finance and SME loan. SMEFin help is to find the right options for you.

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How to get the Loan on Medical Equipment

Among the different professions that we can find in the market, one that is particularly remarkable for the nobility of its purposes is the medical profession. Health professionals focus primarily on preserving the good physical condition of their patients, and that is why they are highly respected among different sectors of society.

When seeking to provide excellent quality service to their patients, physicians must seek to have the necessary medical equipment. This equipment is not always easy to obtain because depending on the speciality, it could be more or less expensive. When looking to Medical equipement finance, it is useful to take into account the different financial loans that are available to us in the market.

Among the points that should be taken into consideration when requesting financing for medical equipment, the following are the most important:

Types of financial loans.- There are different types of financial loans that are available to doctors, and that could be of great help when looking to invest in medical equipment. Within these types of financial loans, credit and Loan Against Property are the ones that could be most useful. The loan will give us the necessary liquidity to carry out the investment need to make in medical equipment. In contrast, the lease will make certain medical equipment available to us to provide an excellent service. Choosing one or the other will depend on Medical Equipment Loan needs.

Term.- Another important point to take into account when requesting financing is the term at which we will request resources. The smartest way to determine the term is through the projections of our expected future flows. Doing this will help to know payment capacity and, as a consequence, to choose the term that best suits our flows. When choosing a term, it is useful to bear in mind that the cost of our financing will depend on it, since interest is generated as time progresses.

Leasing

It is a way of financing fixed asset elements, which allows companies to dispose of them by going to a financial institution, which leases or rents them. The leasing contract is a medium or long-term financing operation, which is carried out between a supplier or a financial institution and a health institution or individual, which is interested in incorporating or replacing the equipment.

During the term of the contract, the policyholder must pay the giver (financial institution or supplier) a stipulated sum of money, as a concept of leasing fee, which includes the equipment maintenance and technical assistance expenses.

It is a mechanism that has allowed many health institutions to access equipment that they could not otherwise acquire for cash.

Once we have taken the above points into account, the next step will be to approach the financial institution that makes the resources we require available to us.

Among the different financial institutions that are in the market, reliable financial companies are the ones that can offer us the best terms and conditions in our financial contracts.

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Find Best Construction Equipment Loan in Dubai, Fixed Asset Finance Offers and Lenders across UAE, Grow your Business faster with New Construction Equipment, SMEFin help's to find the right options for you.

construction equipment finance

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Is Business loans make life easy?

Deciding to set up a business can be a life-changing decision. A single step can make a huge difference in anyone’s life. But, the difference could be for both good and bad. The success of the business depends on what steps the owner take when it is at the nascent stage. Not every entrepreneur has the money to start up a business from scratch. In such conditions, it is wise to take a business loan.

Taking a Business loan uae is not as daunting as you think. Gone are the days when people used to dread taking a business loan. These days, people are more inclined towards taking a pos loan than spend all of their finance on setting up a business. Moreover, by taking a loan, the entrepreneur can pay small EMIs, which would be a better option than conventional ones.

Before the entrepreneur starts applying for Fleet Finance, here are some things that should be considered.

Things to consider before applying for a business loan

Whenever any entrepreneur thinks of applying for a business loan, thinking about all the possibilities is a must. To make things easy, here are some important things to consider before applying for a business loan.

Understanding the need of a loan

Exactly why is the need of money? This question can make things simpler for anyone and solve many queries. The entrepreneur should take a loan only if it benefits the business in the long term. Do you want to rent a place? Or do you want to buy inventory? All banks will ask you the purpose of applying for a loan. So, you should keep everything in mind and then start applying. Also, knowing your loan's purpose will help you get the right kind of loan for your business.

Understand the rates of interest and EMI options

If you won't pay the EMIs later, there is no point in applying for a loan. It can make your situation worse. Calculate the cost that you have to bear after taking a loan. Knowing about the rates of interest will help you to a large extent. Many banks offer Business loan Dubai for a reasonable interest rate. Enquiring about these rates will help you see the whole picture before taking a loan.

Work out your entire budget

Do a complete calculation of your business to estimate how much money you need. Even if you can take a loan of a higher amount, you shouldn't always do that. However, if you take a smaller loan, you might have to take a second one. So, work out the details and calculate everything you need. You can talk to the bank to give you more details about their payment options. Banks offering business loan in Dubai give consultations about this as well.

Many banks also offer invoice discounting facility. Getting the complete details of the bank before applying for a loan is also important. Check the certificate of the bank to determine if it is legal or not. Taking adequate precautions and calculating your costs can help you make a better decision while applying for a business loan.