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Khalifa Fund’s Financing Ecosystem

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Khalifa Fund offers an integrated financing ecosystem comprising seven financing programmes designed to support Emirati entrepreneurs and Abu Dhabi-based businesses at every stage of growth, from business establishment and expansion to innovation, advanced technologies, and operational efficiency. This enables business owners to choose the financing solution best suited to their business needs and objectives.

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Explore Our Financing Programmes

  1. 1. First-time Founders Loan

    For Emirati nationals looking to establish their first business
    • Supports startups during the establishment and launch phases.
    • Covers the capital and operational expenses required to launch a business, including rent, salaries, utilities, and other operating costs
    • Finances equipment, machinery, technology, inventory, rent, and other operating expenses.
    • Available across all sectors and business activities approved under Khalifa Fund’s financing policy.
    • Provides financing tailored to the project’s needs and in accordance with the approved credit criteria.

  2. 2. AI & Robotics Loan

    For businesses adopting artificial intelligence and robotics technologies
    • Finances investments in artificial intelligence and robotics technologies.
    • Finances hardware, equipment, software, and smart systems.
    • Covers capital and operational expenses associated with implementing advanced technologies, including rent, salaries, utilities, and other operating costs.
    • Targets businesses developing or adopting artificial intelligence, robotics, and advanced technology solutions.

  3. 3. Revolving Loan

    For SMEs requiring flexible operational financing
    • Supports working capital management and improves cash flow.
    • Finances the purchase of raw materials, inventory, and operating expenses, including rent, salaries, utilities, and other operating costs.
    • Allows businesses to reuse their approved financing limit after repaying the utilised amounts during the financing facility period.
    • Available across all sectors and business activities approved under Khalifa Fund’s financing policy.

  4. 4. Small Loan

    For micro and small enterprises
    • Supports the establishment, development, and expansion of businesses.
    • Finances the purchase of capital assets such as equipment, machinery, and technology, in addition to operating expenses including inventory, rent, salaries, utilities, and other operating costs, according to business needs.
    • Available across all sectors and business activities approved under Khalifa Fund’s financing policy.
    • Provides financing tailored to the business’ stage of growth and funding requirements.

  5. 5. Working Capital Loan

    For small and medium-sized enterprises (SMEs) requiring support for their operational needs
    • Supports working capital management and improves cash flow.
    • Covers the business’s operational funding requirements.
    • Finances the purchase of raw materials and inventory, as well as salaries, rent, utilities, and other operating expenses.
    • Enhances business continuity and operational efficiency.
    • Available across all sectors and business activities approved under Khalifa Fund’s financing policy.

  6. 6. Fixed Assets Loan

    For businesses seeking to invest in fixed assets
    • Supports the acquisition of fixed assets such as machinery, equipment, technology, fit-outs, and other capital assets required for business growth.
    • Covers the capital expenditure required to support business growth, strengthen operations, and increase productivity.
    • Supports the development of business’s operational capabilities and expansion plans.
    • Available across all sectors and business activities approved under Khalifa Fund’s financing policy.

  7. 7. Expansion Loan

    For businesses seeking to grow and expand their operations
    • Supports expansion plans through increased operational capacity, revenue growth, and geographic expansion.
    • Finances the acquisition of capital assets, including equipment and technology, as well as inventory, rent, and other operating expenses associated with business expansion.
    • Strengthens business competitiveness and supports expansion plans and access to new markets.
    • Available across all sectors and business activities approved under Khalifa Fund’s financing policy.

Check your eligibility

To be eligible, applicants must meet all the following criteria (specific requirements may vary slightly by programme):

  • Operate in a sector approved under Khalifa Fund’s policy.
  • Meet the required business age (varies by programme; some programmes are open to startups, while others require at least one year of operation).
  • Be 100% owned by UAE nationals.
  • Be legally established and operating in the Emirate of Abu Dhabi.
  • Have an owner/partner aged between 18 and 65 years, with no open court cases.
  • Fall within the micro, small, or medium enterprise (MSME) size classification applicable to the programme.
  • Meet the specific credit, financial, and compliance requirements set for the programme.

Check whether you meet the eligibility requirements before applying for one of Khalifa Fund’s financing programmes.

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CTA to TAMM

Entrepreneurs who are looking for funding or financial support solutions, learn more and submit your application to Khalifa Fund care of 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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