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Asset Publisher

Asset Publisher

Emirates Development Bank

Providing financial solutions to SMEs

Emirates Development Bank is fully owned by the UAE Government and was established to meet the goals of the national agenda to create and offer financing solutions with flexible terms for SMEs. It officially began its operations in 2015, and since then, EDB has been playing a major financial role in supporting the small and medium enterprises and achieving diversification. EDB provides a wide range of solutions to support emerging businesses and enable them to achieve their full potential.

billion AED



          Business loans              provided to SMEs    



Number of startups supported by EDB

Programmes and Benefits

Emirates Development Bank

SME Finance

Emirates Development Bank also offers financing solutions to SMEs with low interest rates and flexible repayment options. These solutions include Asset Backed Financing, Business Expansion Loan & Project Financing, Pre-Sale Financing and Post-Sale Financing schemes.


Startups in priority sectors owned by foreigners and startups owned by Emiratis in all sectors.

Make It In The Emirates

Through the Emirates Development Bank’s strategy to grant financial aid worth 30 billion dirhams to businesses, the program aims to help priority industrial sectors for a five-year period, which involves financing more than 13,500 SMEs and large companies, generating 25,000 job opportunities. Financial products include Advanced technology and equipment financing, Business expansion, Green finance, solutions provided to companies using renewable or alternative resources, and structured finance & equity which will be launched in 2022 to provide industrial firms with capital injection or alternative financing sources.

Credit Guarantee Scheme

This scheme supports SMEs and startups in the UAE to provide better access to funding, which usually becomes a challenge when transacting with conventional banks. When a borrower fails to repay its financial obligations, the programme provides a partial guarantee to the lending bank.


Business must be 51 to 100% owned and managed by UAE Nationals and must be based and operating in UAE

Micro and Small Business Financing

EDB offers financing to salaried UAE Nationals to support their businesses. Micro and small enterprises that have been in existence for at least 6 months can obtain funding to be utilised for their business requirements.


For UAE Nationals

Start-Up Financing

The bank provides financial support to entrepreneurs to help them develop their project ideas. Businesses registered in the UAE can avail the Start Up Asset Backed Financing and the Start Up Business Expansion Loan and Project Financing.


For businesses owned and managed (51-100%) by UAE nationals

Contact Details


Communication Channels

Call centre and customer protection

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