+971 52 747 4629
Burjuman Business Tower, Dubai, United Arab Emirates
Emirates Finance Corporation
Dubai skyline backdrop

Loans

Commercial loans and project finance designed for viable, well‑structured opportunities across priority sectors.

Overview Key terms Loan types Security & structures Sectors Eligibility & documents Process & timeline FAQs Talk to us

Funding built around viable projects

We arrange commercial loans and project finance from $1m to $4bn in USD/EUR, prioritizing projects and businesses with robust cash flows and clear ROI. EFC maintains a backlog of Excess Maximum Return Capital Profit (EMRCP) generated through private investment and corporate portfolios under our administration; we reinvest into strong opportunities led by credible sponsors.

Our team is always just a phone call away: +971 52 747 4629

Explore services

All terms are indicative, subject to due diligence, credit approval and final documentation.

Project finance discussion
Interest
From 4% p.a.

Pricing varies by risk, structure and jurisdiction.

Tenor
10–15 years

Grace periods and amortization tailored to cash flows.

Ticket size
$1m–$4bn

USD/EUR; larger transactions considered with partners.

Project ROI
≥ 10% (min.)

Demonstrable business case and repayment capacity required.

Security options include Surety/Performance Bond (non‑collateral basis) or perfected first lien (collateral basis). SPV/EPV setup available.

Loan types we arrange

Project finance

Non‑recourse/limited‑recourse structures aligned to project cash flows, milestones and covenants.

Term loans

Medium to long‑term debt for capex, expansion or acquisitions, with tailored amortization.

Bridge finance

Short‑term funding to meet timing gaps ahead of permanent capital or closing events.

Asset‑backed lending

Facilities secured by real assets, receivables or inventory with disciplined monitoring.

Working capital & trade

Revolvers, import/export finance and supply‑chain solutions to support operations.

Property & development

Acquisition, construction and development loans with phased drawdowns.

Facility type, structure and pricing are tailored to the underlying business case and risk profile.

Security options

  • • Surety/Performance Bond (non‑collateral basis) from acceptable providers to guarantee repayment obligations.
  • • Perfected first lien (collateral basis) over assets now owned or hereafter acquired.
  • • SPV/EPV setup to ring‑fence project assets, contracts and cash flows where appropriate.

Final security package depends on jurisdiction, asset type and facility structure.

Typical structuring features

Drawdowns
Milestone‑based
Repayment
Amortizing/bullet
Covenants
Cash‑flow linked
Hedging
As required

Fees and costs are disclosed in the indicative term sheet; may vary by structure.

Sectors we fund

Oil & Gas Agriculture Healthcare Aviation Tourism Retail Real Estate Construction IT & Communications Technology Education Energy Engineering Utilities Telecoms Mining Maritime Other viable ventures

Who is eligible?

  • • Project owners, entrepreneurs and investors with viable, revenue‑generating or near‑term bankable projects.
  • • Demonstrable ability to achieve ≥ 10% project ROI with realistic assumptions.
  • • Strong governance, transparency and willingness to meet KYC/AML requirements.
  • • Preference for experienced management teams and credible counterparties.

Executive summary checklist (PDF preferred)

  • • Company and ownership structure, or project sponsor profile
  • • Business overview and history (or new‑project rationale)
  • • Financial model: sources & uses, revenue drivers, costs, sensitivities
  • • Funding requirement (USD/EUR), drawdown plan and timeline
  • • Security preference: bond vs. lien; any SPV/EPV needs
  • • Risk assessment, permits/approvals, key contracts and counterparties
  • • Contact details and decision‑maker availability for due diligence

Complete submissions accelerate assessment and indicative terms.

From enquiry to funding

  1. Enquiry & screening. Submit summary and documents. KYC/AML kickoff.
  2. Preliminary assessment. Initial analysis; indicative terms typically within 5–7 business days for complete applications.
  3. Due diligence. Technical, financial, legal and security package review.
  4. Approvals & documentation. Credit approvals; term sheet and facility agreements negotiated.
  5. Closing & funding. Execution at our Dubai head office during closing invitation; drawdowns per agreed schedule.

Notes

  • • We may invest in projects without taking a managerial role.
  • • Security via surety/performance bond (non‑collateral) or first lien (collateral) as applicable.
  • • SPV/EPV structures available for ring‑fencing and governance.

Frequently asked questions

What collateral options are available?

We can structure facilities with a Surety/Performance Bond (non‑collateral basis) or with a perfected first lien over assets (collateral basis). The optimal package depends on jurisdiction, asset type and risk profile.

What information should I include in my executive summary?

Provide company/sponsor details, project overview, financial model, funding amount, timeline, security preference (bond vs. lien) and any SPV/EPV requirements. PDFs are preferred.

How long to receive indicative terms?

For complete applications, indicative terms are typically provided within 5–7 business days following preliminary assessment.

Do you fund new projects or only existing businesses?

We consider both, provided there is a credible plan, experienced team, realistic assumptions and a pathway to ≥ 10% project ROI.

Your future in finance starts here

We assess your opportunity and guide next steps with clarity and speed.