AED 2.1 Billion in UAE Commercial Property FinancedYour Deal Could Be Next!
Been Quoted 50% LTV? We've Secured 65% for Commercial Deals
Commercial lending isn't one-size-fits-all. Strong DSCR and the right property story get you 15% more leverage.
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.
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.
THE PROCESS (B2B REALITY)
Application to Funding: 6-8 Weeks
Strategy & Structure
- ✓30-min business discussion
- ✓Financial analysis
- ✓Property evaluation
- ✓DSCR calculation
- ✓Lender recommendations
Documentation
- ✓Company documents
- ✓Financial statements
- ✓Business case preparation
- ✓Property research
- ✓Executive summary
Bank Review
- ✓Submit to select lenders
- ✓Property valuation
- ✓Underwriting
- ✓Additional info requests
- ✓Weekly updates
Approval & Closing
- ✓Credit committee approval
- ✓Legal documentation
- ✓Final terms negotiation
- ✓Funds disbursement
- ✓Property transfer
DSCR EXPLAINED
Debt Service Coverage Ratio: Your Deal Breaker or Maker
Formula: Net Operating Income ÷ Annual Debt Payment
Banks require: Minimum 1.25x
Example that WORKS:
- Property rental income:AED 1.2M/year
- Operating expenses:AED 300K/year
- Net Operating Income:AED 900K
- Loan: AED 6M at 5.5% for 15 years
Annual payment: AED 587K
DSCR Calculation
900K ÷ 587K = 1.53x
✓ APPROVED
Example that FAILS:
- Property rental income:AED 800K/year
- Operating expenses:AED 250K/year
- Net Operating Income:AED 550K
- Loan: AED 6M at 5.5% for 15 years
Annual payment: AED 587K
DSCR Calculation
550K ÷ 587K = 0.94x
✗ REJECTED
Solution: Larger down payment (smaller loan) or higher rent
Success Stories
Real Commercial Finance Transformations
60% LTV When Market Offered 50%
Commercial RE investor, established portfolio
Challenge:
12-unit retail plaza, Dubai Marina. AED 15M purchase. Strong tenants (Emirates NBD, Starbucks) but banks offered only 50% LTV due to "retail uncertainty."
Our Approach:
Detailed tenant analysis: 8 of 12 on 5+ year leases, zero vacancy 3 years, rental 15% above market. Emphasized DSCR of 1.65x.
Result:
- →AED 15M approved at 5.2% (vs 6.5% initial)
- →60% LTV (saved AED 1.5M down payment)
- →20-year term
- →Cash flow: AED 720K annually after debt
- →Closed in 67 days
First-Time Commercial at 65% LTV
Medical clinic, 5 partners, 8 years operating
Challenge:
Successful clinic paying AED 450K/year rent wanted to buy their AED 6.5M building. Never bought commercial property. Worried about approval.
Our Approach:
Positioned as owner-occupied (better terms). Showed business revenue AED 8.2M annually, net income AED 2.1M, patient base 3,800+. Structured as business loan secured by property.
Result:
- →AED 4.2M approved at 5.35%
- →65% LTV (vs expected 50% as first-timer)
- →15-year term
- →Payment: AED 33,800 vs AED 37,500 rent
- →Saved AED 44,400 first year + building equity
Development Finance with Smart Structure
Property developer, 8 years experience
Challenge:
AED 8M warehouse construction, Dubai Industrial City. Needed phased financing to preserve cash flow. Banks wanted full interest from day one.
Our Approach:
Structured with development lender: Interest-only during 18-month construction, draws at 6 milestones, interest only on drawn amounts.
Result:
- →AED 8M approved at 5.8%
- →Interest-only during construction
- →6 milestone-based draws
- →Saved AED 480K in carrying costs
- →70% pre-leased before completion
- →Refinanced to 5.1% permanent after completion
Does Your Property Cash Flow Work?
Calculate your DSCR and see if your commercial property qualifies for financing
CURRENT COMMERCIAL MORTGAGE RATES
Unlock once to view live EIBOR and commercial indicative ranges.
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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FAQ's
What's the minimum commercial mortgage amount?
AED 1M typically. Below that, consider a business loan or personal financing.
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.
What if property valuation comes in low?
Happens frequently. Options: Challenge valuation (30-40% success), renegotiate purchase price, or increase down payment.
How long do business mortgage loan applications take?
8-12 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.