Time Machine Financial Services
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Business Loans &SME Finance

Working capital, trade finance and term loans compared across our 18 partner banks, with your financials and application prepared the way lenders want to see them.

  • Working Capital
  • Trade Finance
  • Term Loans
  • Compared Across Banks
  • Financials Prepared

Published Updated

Finance Matched to How Your Business Earns

UAE lenders assess business loans on trading history, audited financials, bank statements and the credit record of the company and its owners with the Al Etihad Credit Bureau. Each bank sets its own minimum turnover and years in business.

The right facility depends on how cash moves through your business: a revolving working capital line, trade finance for imports, or a term loan for equipment or expansion. We compare options across our partner banks and prepare a lending pack that answers the questions underwriters will ask.

Business planning session (placeholder)

How Business Finance Works

Six steps from need to drawdown.

  1. 01

    Finance Review

    We look at what the money is for, your cash cycle and how much you can comfortably repay.

  2. 02

    Eligibility Check

    Trading history, turnover, financials and credit record checked against lender criteria.

  3. 03

    Lender Comparison

    Suitable facilities compared across partner banks on rate, fees, security and terms.

  4. 04

    Lending Pack

    Financial statements, bank statements and a clear business summary prepared.

  5. 05

    Application & Credit Review

    Application submitted and lender questions answered during credit review.

  6. 06

    Offer & Drawdown

    Offer terms explained before you sign, then funds drawn down.

What You Need to Provide

Typical documents for business finance.

  • Trade licence and company documents
  • Audited financial statements, usually for one to two years
  • Business bank statements, usually six to twelve months
  • Passports and Emirates IDs of shareholders
  • VAT returns, if registered
  • Details of existing loans and facilities

Why Use TMFS for Business Finance

Lenders respond to clear, complete applications.

Options compared across 18 partner banks

Facility matched to your cash cycle

Financials prepared for underwriters

Eligibility checked before you apply

Offer terms explained in plain language

Accounting and audit support in-house

The TMFS Advantage

What sets our finance support apart.

Lender Comparison

Facilities compared across our partner banks, not one bank’s menu.

Lender-Ready Financials

Books and statements prepared by our accounting team.

Right Facility

Working capital, trade finance or term loan, chosen for how you trade.

Clear Terms

Rates, fees, security and covenants explained before you sign.

Why Businesses Choose TMFS for Finance

Three things clients mention most.

Advisors reviewing documents with a client (placeholder)

Better preparation

Applications that answer lender questions before they are asked.

Honest eligibility

A straight view of what you can realistically get.

Joined-up support

Accounts, audit and banking under one roof.

What Clients Say

Feedback from founders who set up with TMFS.

TMFS has truly been a game changer for me. Their personalized approach to financial services made the entire process easy and stress-free. I trust them completely with my investments and feel secure knowing my financial future is in safe hands.

VT
Vipul TibrewalMarketing Manager, PSP Marketing

I've worked with several financial firms, but TMFS stands out with their attention to detail and commitment to understanding my unique needs. Their professional team has guided me every step of the way, and I couldn't be happier with the results.

FA
Fatima Al MansooriRealtor, Frisko

TMFS has been incredibly supportive and responsive throughout my financial journey. Their personalized broker services have exceeded my expectations, and I now recommend them to anyone looking for trustworthy financial guidance.

PN
Priya NairSales

I came to TMFS with a business idea and very little idea of how UAE setup worked. They recommended the right free zone for my activity, handled the licence paperwork, and had my company registered within a week. What impressed me most was the banking. They prepared my bank application alongside the licence, so my business account was opened soon after instead of dragging on for months. One team, one point of contact, and no surprises on cost.

RM
Rahul MenonFounder, E-commerce Start-up

Keeping up with VAT and the new Corporate Tax rules was taking time away from running the business. TMFS took over our bookkeeping, registered us for Corporate Tax and now files our VAT returns every quarter, always ahead of the deadline. Their team explains what is due and why in plain language, and our accounts are finally clean and audit-ready. It is one less thing I have to worry about.

SW
Sarah WhitfieldDirector, Trading Company

TMFS handled my investor visa and then my wife's and children's family visas, and the whole process was far smoother than I expected. They told us exactly which documents we needed, booked the medicals and Emirates ID appointments, and kept us updated at every step. When we later hired our first two employees, they processed those visas just as quickly. I'd trust them with any visa matter.

OH
Omar HaddadManaging Partner, Consultancy

UAE Business Loans: Frequently Asked Questions

Common questions about business finance in the UAE.

Can a new company get a business loan?
It is difficult. Most lenders want one to two years of trading history and financial statements. Some products, such as finance against card sales, can come earlier.
What do lenders look at?
Turnover, profitability, bank statements, existing debt and the credit record of the company and its owners with the Al Etihad Credit Bureau.
Do I need collateral?
It depends on the facility and lender. Many SME facilities require a personal guarantee from the owners; larger facilities may need security.
How long does approval take?
From a few weeks to longer for larger or secured facilities, depending on the lender and how complete the application is.
Can you guarantee approval?
No. Every credit decision is the lender’s. We improve your chances by choosing suitable lenders and preparing a complete application.
Sources & official references

Central Bank of the UAE (CBUAE) · Al Etihad Credit Bureau (AECB)

Verification & independence

Prepared from publicly available guidance from the Central Bank of the UAE and UAE federal law as of October 2026. Time Machine Financial Services is independent of the Central Bank of the UAE and is not affiliated with or acting for any UAE government authority.

Lending criteria, rates and Central Bank rules change. Confirm the current position for your situation with the Central Bank of the UAE, or ask us, before acting on this page.

Get expert advice

Speak to a UAE setup specialist

Tell us what you need and a consultant will reply within one working day, with no obligation.

  • The consultant you speak to stays on your file
  • A straight answer on structure, cost and timeline
  • A reply within one working day
  • A free 20-minute consultation

Confidential · A consultant replies within one working day

Looking for Business Finance?

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