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—  Financing solutions

The right facility for every situation.

Five core financing types — from cash flow to trade, assets to private credit. We match your exact situation to the lender whose criteria you already meet.

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FACILITY TYPES
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AVERAGE MATCH TIME

What we arrange

Hover any card to see what each facility covers and what’s included.

Day-to-day operations

Business Loans

Term loans, overdrafts, revolving credit lines, and working capital loans that move with your cash cycle. Ideal when revenue is seasonal or invoices are slow to clear.

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Unlock existing assets

Asset Finance

Invoice discounting, receivables financing, and equipment-backed loans that release capital tied up in assets you already own.

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Non-bank lenders

Private Funding

Bridge loans, mezzanine finance, and private credit for situations where bank timelines or criteria don’t fit — approved in days, not months.

Import · Export · LC

Trade Finance

Letters of credit, trust receipts, and documentary collections that give you buying power before goods arrive and seller confidence before payment.

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Multi-currency needs

Foreign Exchange

Forward contracts, spot conversions, and FX facilities that protect your margins when you invoice in one currency and pay suppliers in another.

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—  What lenders actually score

Beyond the AECB score

AECB is only one of five factors lenders actually score — and often not the deciding one. Capmob maps all five and shows you where you stand before any lender sees your application.

1
AECB Credit Score
The score everyone knows — but only one of five.
FACTOR 2 OF 5

Cash Flow Pattern

Lenders look beyond net profit. The consistency, predictability, and trend of your monthly inflows matter more than your headline revenue number.

FACTOR 3 OF 5

Liability Structure

How you’ve managed existing obligations — lease commitments, supplier terms, director loans — tells lenders how you’ll manage theirs.

A 2-year-old business growing 40% MoM scores differently from a 10-year flat business. Trajectory weight varies by lender.

FACTOR 4 OF 5

Business Vintage & Trajectory

Some lenders have concentration limits on sectors. Your customer and supplier mix affects perceived risk as much as your own financials.

FACTOR 5 OF 5

Industry & Counterparty Risk

From conversation to capital

Hover a step for detail.

01
Share your situation

A 12-minute intake — revenue, trading history, what you need the money for, and when. No bank-speak, no confusing forms.

02
We run your CapScore

Our model analyses all five lender criteria and scores your profile against the appetite of 40+ active lenders in the UAE.

03
See your matched options

Within 2 working days, you get a shortlist of facilities where you’re likely to qualify — with indicative rates and terms, not just names.

04
We handle the lenders

Your Capmob advisor prepares the credit pack and negotiates directly. You stay in one place instead of chasing 10 different lenders.

05
Funds in your account

Once terms are agreed, we manage the documentation and drawdown. Average time from intake to first disbursement: 8 working days.

Timeline

What to expect, day by day.

Most SMEs who come to us have never had a clear picture of what the funding process actually looks like. Here it is.

Day 1
Intake call
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  • 12-minute conversation with your advisor
  • Revenue, sector, and facility need captured
  • No documents, no forms
Day 1–2
CapScore runs
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  • Five-factor model scores your profile
  • Matched against 40+ active lenders
  • Shortlist of likely approvals identified
Day 2–3
Options delivered
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  • Shortlist with indicative rates and terms
  • Facility type recommendation
  • Your advisor walks you through the options
Day 3–7
Application prep
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  • Credit pack prepared for each lender
  • Tailored to their specific scoring model
  • Documents requested only what's needed
Day 5–10
Lender negotiations
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  • Capmob negotiates terms on your behalf
  • Single point of contact — no bank chasing
  • You review and approve final terms
Day 8–14
Funds disbursed
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  • Documentation and drawdown managed
  • Average 8 working days from intake
  • No fee until funds are in your account
Clarity moves capital

Not sure which facility fits?

Run your free CapScore and we’ll show you the facilities you already qualify for — in two working days.

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