Commercial property purchase
Offices, retail units, warehouses and showrooms, owner-occupied or as an investment. Typically up to 70% of the value over 10 to 15 years, priced on the covenant of the business rather than a salary.
Home Commercial
Finance for the property your business runs on
Offices, warehouses, retail units and land — bought, refinanced or borrowed against. Priced on your trading position and the asset, not on a salary certificate.
70%Maximum loan-to-valueOwner-occupied commercial
20yrLongest tenorIndustrial and warehouse
4–10Weeks to completionCredit committee decides
AED 0Our fee to youThe lender pays us
Four kinds of commercial facility
Most businesses come to us for the first and end up using the second — releasing capital from an asset they already own is usually cheaper than any other borrowing available to them.
Mortgage-backed facility
Release capital against property you already own and use it as working capital, for expansion, or to consolidate more expensive borrowing. The property stays yours; the facility sits behind it.
Rental discounting
Borrow against the contracted rent roll of a tenanted asset rather than against your trading profit. Useful where the building performs better than the balance sheet does.
Land and development
Plot purchase and construction finance, on shorter tenors and tighter loan-to-value. Priced case by case against the permit, the contractor and the exit.
What the panel will consider
Structural terms taken from current lender policy. Pricing is quoted case by case, so no rate column here would be honest.
| Facility | Basis | Max LTV | Tenor | Processing fee |
|---|---|---|---|---|
| Commercial purchase | Owner-occupied | Up to 70% | 10–15 years | 1.00% |
| Commercial purchase | Investment / tenanted | Up to 65% | 10–15 years | 1.05% |
| Mortgage-backed facility | Against owned asset | Up to 60% | 5–10 years | 1.00% |
| Rental discounting | On contracted rent roll | Up to 70% of rent | 3–5 years | 1.00% |
| Warehouse / industrial | Owner-occupied | Up to 65% | 10–20 years | 1.00% |
| Land | With approved permit | Up to 50% | 5–10 years | 1.05% |
We take it to credit, not to a branch
A commercial file does not get decided by a relationship manager. It goes to a credit committee that reads your bank statements, your tenant schedule and your sector before it reads your application.
So we build the file for that audience: the trading story, the asset, and a clear answer to the only question the committee is actually asking — where does the repayment come from if the best case does not happen.
That is also why we tell you early when a deal will not clear. A declined commercial application sits on your bureau record and makes the next one harder.
What we will need from you
Trade licence and ownership
Valid licence, memorandum of association, shareholder passports and Emirates IDs, and the ultimate beneficial ownership structure.
Two to three years of financials
Audited statements where available, plus twelve months of bank statements across all operating accounts. Lenders read the bank statements more carefully than the audit.
The asset itself
Title deed or the sale agreement, site plan, current tenancy contracts and Ejari registrations, and the service charge history.
Where the repayment comes from
A clear view of the trading cash flow or the rent roll that services the facility. This is what the credit committee actually decides on.
Commercial files,
tracked like any other
Upload once, see where the file sits, and get told the moment credit comes back.
What businesses ask us
How is commercial pricing different from a home loan?
It is priced individually. There is no published rate card: the margin reflects your sector, trading history, the asset, the tenant and the loan-to-value. Expect a premium over residential pricing and a processing fee of around 1% to 1.05% of the facility.
Can a new company borrow?
Rarely on trading performance alone. Most lenders want two to three years of filed financials. A newer company can sometimes borrow against a strong tenanted asset through rental discounting, or against the personal covenant of the shareholders.
Can an offshore or free zone company hold the property?
In many cases yes, and the permitted structures depend on the emirate, the free zone and the lender. Some banks lend to offshore holding companies for Dubai freehold; others only to onshore entities. We check the structure against policy before anyone spends money on valuation.
How long does a commercial facility take?
Longer than residential — typically four to ten weeks. Credit committee, not the branch, makes the decision, and valuation on commercial assets takes longer than on an apartment.
Is Islamic commercial finance available?
Yes. Ijara and Murabaha structures are available for commercial assets from ADIB, DIB, Ajman Bank, SIB and Al Hilal. We compare them against conventional pricing on true cost over the term, not on the headline profit rate.
Bring us the asset and the accounts
We will tell you within a day whether the panel will look at it, and at roughly what terms.