Business Overdraft in UAE Flexible Working Capital When You Need It
Why Choose Our Business Overdraft?
Pay Only What You Use
Unlike traditional loans, our business overdraft charges profit only on the amount you utilize — keeping your costs low and your business financially healthy.
Instant Access to Funds
Access your approved overdraft limit anytime you need it — no repeated applications, no delays. Your funds are ready when your business needs them most.
Flexible Working Capital
Use the overdraft for any business purpose — paying suppliers, managing salary, covering operational costs, or handling unexpected expenses with ease.
Who Is This For?
Restaurants & Cafes
Retail Shops & Supermarkets
Salons & Spas
Any POS Merchant in UAE
What is a business overdraft?
A business overdraft is a revolving credit facility that allows your business account to go below zero up to an approved limit. You pay profit only on the amount you actually use, making it a highly cost-effective working capital solution.
Who is eligible for a business overdraft in UAE?
Any UAE registered business with an active POS machine, minimum 6 months transaction history, and monthly card sales of at least AED 15,000 is eligible to apply.
How is it different from a business loan?
A business loan gives you a lump sum that you repay in fixed installments with profit on the full amount. A business overdraft is flexible — you draw only what you need and pay profit only on what you use.
How long does approval take?
Our streamlined process ensures quick approval — typically within a few business days once all documents are submitted.
Is there a minimum overdraft limit?
Overdraft limits are determined based on your POS transaction history and business financials. Contact us for a free assessment.