Secured Business Finance

Enjoy liquidity with Mashreq Al Islami’ Secured Business Finance to grow your business, meet your working capital requirements or any other professional needs without liquidating your property.


Minimum length of Business should be 2 years

Features & Benefits

High finance amount of up to AED 8 million
Finance-to-value (FTV) of up to 120% on freehold residential/commercial properties across UAE
Competitive profit rates
Flexible payment options upto 84 months
Short lock-in period for your property
Simple documentation and quick processing
A Business Current Account with No Minimum Balance Requirement


Application form
Trade license copy
Incorporation documents as applicable i.e. Power of Attorney (POA), Memorandum of Association (MOA) or Articles of Association in case of an LLC, Partnership agreement
Last 6/12-months bank statement (Mashreq / Mashreq Al Islami account not required)
All partners valid passport with residence visa page for expatriates
Property Documents - Copies of title deed

Still got questions?

A secured Islamic Business Finance (IBF) is an installment Finance for business entities to meet their working capital requirements and other business needs against collateral as security.
To be eligible for the Finance, you need to be in business for at least 2 years.
i. Processing fee – 1.35% of the Finance amount ii. Property valuation fee - AED 2,500/- per property iii. Credit Life Takaful Fee – 0.65% p.a. of the Finance amount iv. Property Takaful charges – 0.06% p.a. of the property value v. Applicable Profit Rates to apply
For properties in Dubai and Abu Dhabi, you can get maximum of 120% of evaluated price subject to meeting our credit terms and conditions. For properties in Sharjah & Other Emirates, you can get maximum of 75% of evaluated price subject to meeting our credit terms and conditions.
The minimum tenor is 6 months, and the maximum tenor is up to 84 months
Yes. Once you have completed 12 months of payments on the Finance, you may apply for an additional finance facility.
Yes. You may go for an early settlement of your Finance. This would be subject to pre-closure charges, as applicable.
Yes, we will be the custodians of original property documents. Upon maturity of the Finance or after the Finance settlement in full, all relevant documents will be released.
Finance against the following property types is not allowed: a) Gifted Property not accepted as evident by Title Deed or Related Documents b) Property in the name of UAE Nationals c) Land
We do offer property buy out/take over. Your outstanding mortgage Loan / Finance with your bank will be settled and remaining balance amount will be credited to your Business Account with Mashreq / Mashreq Al Islami subject to meeting the terms and conditions.

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