Frequently asked questions

No. At the intake and CapScore stage there is no hard credit check — nothing that touches your AECB score or leaves a footprint. A formal credit check only happens later, once you choose to proceed with a specific lender's offer.

Cheque bounces are one factor, not a verdict. Lenders weigh them alongside your revenue consistency, sector and leverage. Capmob shows you exactly how they affect your profile and matches you with lenders who are comfortable with your situation, rather than leaving you to guess.

From intake to matched offers is typically about 2 working days. The full journey to funded depends on the lender and how quickly documents are shared, but you'll have a clear picture of your options within days, not weeks.

Nothing upfront to get started or to see your CapScore. When you move ahead with a lender, you'll typically need recent bank statements, your trade licence and Emirates ID — and we tell you exactly what each matched lender requires, so there are no surprises.

Capmob is built specifically for UAE SMEs and the UAE lending market. We don't currently operate outside the UAE.

We match the facility to how your business actually operates — cashflow rhythm, sector, existing obligations and what you need the funding for. Rather than pushing one product, we surface the facility types that fit your profile and explain the trade-offs.

No. Most businesses don't know which facility fits best — that's part of what we help with. Come as you are, and we'll walk you through the options based on your profile.

A previous decline doesn't disqualify you. Banks often decline without explanation, usually over a single criterion. Capmob shows you all five criteria lenders score, so you understand why it happened and which lenders are a better fit next time.

Requirements vary by lender. Some want 12+ months of trading and a revenue floor; others are more flexible. Rather than a single cut-off, we match you against the lenders whose criteria you actually meet.

A bank shows you one product and one decision. Capmob shows you where you stand across all five criteria lenders score, then matches you with 40+ lenders — so you apply where you're likely to succeed, instead of applying blind and hoping.

A bank's assessment leans heavily on your AECB score. CapScore weighs all five criteria — revenue consistency, sector risk, leverage, trade history and AECB — to give you a fuller, more honest picture of how lenders actually see you.

A low CapScore is a starting point, not a dead end. It shows you exactly which criteria are holding you back and what to improve, and we still match you with lenders who work with profiles like yours.

You're not back to square one. Because we match you against many lenders, a decline from one doesn't end the process — we move to the next best fit and tell you why, so every step stays transparent.

Yes — completely. You can run your CapScore assessment, receive a facility-type recommendation, and see a lender eligibility overview without paying anything or providing documents. No credit check, no hard inquiry.

When we arrange a facility for you, we earn a placement fee from the lender — not from you. This means we're only paid when you're successfully funded, which keeps our incentives aligned with your outcome.

We haven't published Advisory pricing yet because we want to ensure it reflects the actual complexity and size of deals we handle. Join the waitlist and you'll be among the first to know — and we'll offer early-access pricing to waitlist members.

We're currently in the process of defining the scope and pricing of our paid tiers. Sign up for the waitlist via the Free plan and we'll notify you directly when they go live.

The Free plan gives you the intelligence to understand your options. Active deal management — where an advisor prepares your credit pack, submits to lenders, and negotiates terms — is reserved for the Advisory and Enterprise tiers.

Advisory suits businesses seeking a single facility or occasional capital raises. Enterprise is designed for businesses with ongoing, multi-facility capital needs who want Capmob embedded in their finance function on a longer-term basis.

A secured business loan is backed by assets such as property, receivables, or equipment and often offers lower rates or higher limits.

An unsecured business loan is approved primarily based on revenue, banking history, and repayment capacity.

Revenue based finance links repayments to monthly business revenue, helping businesses maintain flexibility during fluctuating cash flow periods.

Revolving term loans allow businesses to repeatedly access approved funding limits without reapplying each time.

Venture and private debt are longer-term funding structures commonly used by growth-stage businesses looking to expand without immediate equity dilution.

Yes. Many lenders evaluate bank statements, revenue flow, and transaction history even without audited financials.

In many cases, yes. Businesses with at least 6 months of company bank statements showing visible client payments may qualify.

Yes. Certain unsecured structures are available without collateral or cash margin requirements.

Both. Capmob works with banks, NBFCs, and private financing institutions across its lender network.

Most businesses receive structured offers within 2 working days after the pre-check.

LTV, or Loan-to-Value, refers to the percentage of funding available against the value of an asset.

LTV depends on asset type, profile, and lender appetite. Typical ranges may include:

Asset leasing allows businesses to use equipment or operational assets through structured lease arrangements instead of full upfront purchase.

Asset leasing focuses on asset usage through periodic lease payments. Asset-based financing typically involves borrowing against owned assets or financing asset acquisition.

Asset leasing helps businesses preserve liquidity, reduce upfront capex, upgrade equipment more easily, and align costs with operational cash flow.

Yes. Certain structures support machinery, inventory, shares, receivables, and operational assets beyond real estate.

Certain lenders may support younger businesses depending on promoter profile, asset strength, and repayment capability.

Capmob first helps businesses understand structures, eligibility, and available offers before any lender engagement proceeds.

Most businesses receive initial structured offers within 2 working days after pre-check.

Trade finance refers to structured funding solutions that support import, export, supplier payments, receivables, and contract execution.

A performance guarantee assures a client or project owner that contractual obligations will be completed as agreed.

Invoice discounting in UAE allows businesses to unlock cash from unpaid invoices instead of waiting 30–120 days for customer payment.

Yes, depending on the lender and invoice quality. Most lenders typically consider invoices that are around 30–60 days old.

Islamic trade finance products are Sharia-compliant funding structures designed without conventional interest-based lending mechanisms.

Yes. Many SMEs qualify based on trade flow, receivables quality, contracts, and banking profile.

Not always. Certain trade finance structures can be supported through receivables, contracts, trade flow, or transaction-backed security instead of traditional collateral.

Most businesses receive structured offers within 2 working days after the pre-check.

Trade and forex support helps businesses manage international payments, FX conversion, supplier remittances, and cross-border operational flows more efficiently.

Trade forex UAE support is commonly used by importers, exporters, distributors, and businesses handling international supplier or customer payments.

Forex hedging helps businesses reduce the impact of currency fluctuations on international payments and procurement costs.

Corporate FX hedging refers to structured FX risk management solutions designed for businesses with recurring international transactions.

Yes. Through our ecosystem and institutional relationships, we help businesses structure smoother international payment and settlement processes.

Rates and structures depend on transaction profile, volume, currency pair, and settlement requirements.

Through our network ecosystem, businesses can compare available institutional options more efficiently.

Yes. Many SMEs handling imports, exports, or multi-currency transactions benefit from optimized FX execution and settlement structures.

Yes. We help businesses manage operational flows across multiple international currencies and supplier markets.

Most businesses receive initial direction and institution matching within 2 working days after pre-check.