AED 2.1 Billion in UAE Commercial Property Financed
What Type of Commercial Financing Do You Need?
COMMERCIAL PROPERTY PURCHASE
Acquire Your Business Premises with Competitive Financing.
Own your office, retail space, warehouse, or mixed-use property instead of paying rent indefinitely. Buying personally rather than through the business? See Residential Finance.
BUSINESS ACQUISITION FINANCING
Buy Existing Businesses with Real Estate Assets.
Acquiring a business that owns property? We finance the entire transaction, not just the real estate.
DEVELOPMENT FINANCE
Construction Financing for Ground-Up Development.
Building new or major renovations? We arrange phased financing tied to construction milestones.
INVESTMENT PROPERTY LOANS
Build Your Commercial Real Estate Portfolio.
Purchase income-generating properties for long-term wealth building and rental income. Estimate repayments with our Mortgage Calculator.
Application to Funding: 3-4 Weeks
Week 1
Strategy & Structure
- ✓30-min business discussion
- ✓Financial analysis
- ✓Property evaluation
- ✓DSCR calculation
- ✓Lender recommendations
Week 2
Documentation
- ✓Company documents
- ✓Financial statements
- ✓Business case preparation
- ✓Property research
- ✓Executive summary
Week 3
Bank Review
- ✓Submit to select lenders
- ✓Property valuation
- ✓Underwriting
- ✓Additional info requests
- ✓Weekly updates
Week 4
Approval & Closing
- ✓Credit committee approval
- ✓Legal documentation
- ✓Final terms negotiation
- ✓Funds disbursement
- ✓Property transfer
Commercial Loan Application Checklist
Company Documents
- • Trade license (2+ years)
- • Memorandum of Association
- • Shareholder agreements
- • Last 2 years audited financials
- • Last 6 months bank statements
- • Current debt schedule
Property Documents
- • Title deed or sale agreement
- • Property valuation
- • Rental contracts (if investment)
- • Tenant information
- • NOC from developer (if needed)
Personal (Guarantors)
- • Passport + Emirates ID
- • Last 6 months personal statements
- • Personal assets & liabilities
- • Credit bureau consent
Get Started
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Quick question? Check our FAQ first, most answers are already there.
FAQ's
What's the minimum commercial mortgage amount?
AED 1M typically. Below that, consider a business loan or personal financing. For financing under AED 1M, see our Residential Finance options.
How is investor property loan different?
Investment properties require proven cash flow (DSCR 1.25x+), lower LTV (55-60%), and banks count only 70% of rental income.
Do all commercial loans require personal guarantees?
Almost all under AED 50M revenue. Your personal assets are at risk if business defaults. This is standard, not negotiable.
Can foreign companies get commercial mortgage Dubai?
Yes. Need UAE subsidiary/branch, local trade license, parent company guarantee. LTV: 50%, rates: 5.75-7.25%, timeline: 12-16 weeks. Buying personally as a non-resident instead? See Non-Resident Finance.
What if property valuation comes in low?
Property valuations are based on the recent transaction in land dept. Generally valuations meet the purchase value and in some cases come higher than the purchase price.
How long do business mortgage loan applications take?
4-6 weeks average. More complex than residential due to business analysis, higher amounts, more stakeholders.
Should I choose fixed or variable commercial loan terms?
Fixed for first 3-5 years (payment certainty while business establishes). Then refinance or switch to variable.