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Navifin offers a suite of tailored financing options designed specifically for SMEs in UAE across sectors. We understand the nuances of small business operations and structure funding solutions that align with real-time business performance, transaction data, and sector-specific needs.
Associate Director – Corporate & SME Finance
Short- and medium-term working capital solutions with straightforward terms and swift funding.
Real-time financing decisions based on banking data — ideal for digitally active businesses or early-stage firms with limited financials.
Advances against credit card receipts, with repayments linked directly to your daily transaction volumes.
Unlock working capital from outstanding invoices through discounting or factoring — depending on your preference for collection control.
Asset-backed financing for capital expenditure needs with flexible structures and competitive pricing.
Structured property financing for business expansion or asset acquisition, where the real estate serves as collateral.
Instant access to co-payments and trade finance for hospitals, clinics, and pharmacies — including inventory support.
Advance funding against earned real estate commissions, improving agent cash flow predictability.
Faster liquidity for garages and workshops by bridging delays from insurance companies.
SME debt advisory helps small and medium-sized businesses in the UAE access debt financing tailored to their needs. We connect SMEs with banks, alternative lenders, and fund houses, and assist in structuring financing solutions that work even for businesses with limited documentation or small funding requirements.
Yes. Many small businesses don’t have audited financials — and we understand that. We work with alternative finance providers in the UAE who can evaluate management accounts, bank statements, and business performance instead of just relying on audited reports.
We help SMEs raise debt as small as AED 500,000 and up to AED 5 million, depending on the business profile and funding need. For smaller ticket sizes, we work with specialized fund houses and non-bank lenders who cater to the SME segment.
With complete documentation, SME loans can be arranged in 7 to 21 working days. For invoice or receivables financing, turnaround can be even faster — often within 5 to 10 working days.
Yes. Even if you have just a few key clients — especially government entities or large corporates — we can arrange invoice financing solutions for your SME. The strength of your receivables matters more than your company size.
In factoring, the lender manages collections and interacts with your client. In invoice discounting, you maintain the client relationship and repay the lender when the invoice is paid. Both help improve your cash flow without adding debt to your balance sheet.
Yes. Some lenders are open to financing young businesses with strong growth potential, especially if you have recurring revenue, signed contracts, or quality receivables. We assess your situation and guide you to the right lenders.
We specialize in working with alternative lenders who have more flexible credit criteria than traditional banks. We analyze why your application was rejected and restructure the proposal to improve approval chances.
Yes. Many of our lending partners offer unsecured SME loans based on cash flows, bank statements, and business health. However, rates and tenures may vary depending on the risk profile.
Simply reach out to our team with your basic business details (bank statements, invoice samples, funding need). We’ll conduct a quick eligibility assessment and connect you with the most suitable lender — often within a few days.
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