FUNDING

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Khalifa Fund is the largest enterprise development entity in the Middle East and North Africa (MENA) region, and the positive impact that its funding and practical support is having on the UAE’s SME sector is significant.

The Emirates’ entrepreneurial ecosystem plays a vital role in the economic growth and development of the nation’s economy. By working with Khalifa Fund, SME growth is being accelerated, and commercial success is strategically achieved.

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Funding Products

Khalifa Fund has seven funding products on offer, each designed to support the growth and success of existing businesses.

  1. Financing Business - Operating Capital

    Offering entrepreneurs the necessary financial resources to cover day-to-day operations such as salaries, inventory, overheads, and other short-term financial obligations. This funding excludes rent.

    Contribution: By committee approval

    Maximum Loan: AED 600,000

    Repayment period: 12 months.

  2. Financing Fixed Assets - Vehicles and Logistics

    Offers financing for logistics assets, such as new vehicles, boats, and logistics machinery. These assets must be mortgaged to Khalifa Fund.

    Contribution: Taking the greater of two values: either 20% of the required amount or the remaining amount that exceeds the funding limit.

    Maximum Loan: 80% of new company assets/vehicles cost, or up to AED 1 million.

    Repayment period: 36 months.

  3. Financing Fixed Assets - Equipment and Machinery

    Finances the purchase of new equipment or machinery. The asset must be mortgaged to Khalifa Fund. This product does not allow refinancing an existing loan.

    Contribution: Taking the greater of two values: either 20% of the required amount or the remaining amount that exceeds the funding limit.

    Maximum Loan: 80% of new equipment/machinery cost, or up to AED 1 million.

    Repayment period: 36 months.

  4. Financing Invoice Financing - Receivables

    A short term finance product that covers the invoiced receivable amount with a value guarantee. Designed to bridge working capital needs.

    Maximum Funding: 80% of the discounted bills, or up to AED 1 million.

  5. Advance Payment Guarantee (APG)

    Khalifa Fund can offer an APG to businesses. This facility ensures the fulfilment of contractual obligations through a performance guarantee bond.

    Contribution: Taking the greater of two values: either 30% of the required amount or the remaining amount that exceeds the funding limit.

    Maximum Loan: 70% of the APG, or up to AED 1 million.
    Repayment period: As per the contract and doesn’t exceed 36 months

  6. Financing - E-commerce Inventory

    A digital retail funding product that offers e-commerce enterprises immediate financial support, facilitating stock level control, inventory efficiency, and increased profitability.

    Contribution: Taking the greater of two values: either 20% of the required amount or the remaining amount that exceeds the funding limit.

    Maximum Loan: 80% of the finished goods, up to AED 1 million.
    Repayment period: 12 months.

  7. Financing - Agri-Tech

    Provides competitive financing solutions that facilitate the adoption of advanced technology solutions to foster innovation, sustainability, and growth within the agricultural industry.

    Contribution: Taking the greater of two values: either 10% of the required amount or the remaining amount that exceeds the funding limit

    Maximum Loan: AED 2 million
    Repayment period: 36 to 48 months.

Eligibility Criteria

Khalifa Fund’s funding schemes offer medium-term, interest-free loans to eligible Emirati entrepreneurs, elevating business potential. Emirati entrepreneurs (21-60 years old) with an operational business based in the Emirate of Abu Dhabi can apply, and applicants’ businesses must be at a growth or expansion stage (mSME), operational for two years, with a three-year rule applying to companies where funding is required for a new branch. Funding support is offered to businesses in healthcare, education, agriculture, ICT, tourism, and manufacturing industries.

ELIGIBILITY CRITERIA

Welcome to our Loan Eligibility Calculator

Designed to assist entrepreneurs in assessing financial eligibility for Khalifa Fund funding programs, this user-friendly interface allows you to input essential financial details, including: requested funding amount, repayment period, monthly salary, net cash flow for the last two years, net profit for the last two years, monthly rental income, credit card limit, and monthly bank instalments.

Simply click “Calculate Eligibility” and begin your business growth journey with Khalifa Fund.

Calculations provided offer a provisional estimate of funds available. Actual eligibility may vary based on additional factors and final approvals. Our calculator is also regularly updated to ensure you have the most accurate assessment possible.

Start assessing your eligibility today!
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Post-Funding Services

Beyond funding assistance, Khalifa Fund provides a comprehensive range of post-funding services to ensure that we support your business growth and success every step of the way.

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Disburse an Approved Loan

Initiate the disbursement process for your approved loan amount, allowing you to launch your project on time and with strategic efficiency.

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Release Collateral for Funded Project Assets

Take the first step towards releasing collateral linked to your funded project assets, facilitating the growth and progression of your venture.

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Amend an Existing Loan

Adjust the terms of your existing loan to better suit the evolving needs of your business – ensures financial alignment and flexibility.

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Reallocation of Loan Disbursement

Maximise the impact of your funding by strategically reallocating your loan disbursement to enhance project execution and optimise resource utilisation.

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Request for Loan Top-Up

Access additional funding to accelerate the growth of your project or address unexpected challenges. Continued momentum and resilience during the entrepreneurial journey is supported.

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Request to Cancel Loan

Explore easy ways to cancel your loan if circumstances necessitate.

Explore TAMM

Entrepreneurs who are looking for funding or financial support solutions can learn more and submit their application to Khalifa Fund through the Abu Dhabi Government Services platform, TAMM.

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Frequently Asked Questions

Discover answers to common questions about applying for funding, available services, evaluation criteria, and more. If you have additional questions, feel free to contact us directly.

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