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FUNDING

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Khalifa Fund is the largest enterprise development entity in the UAE, making a significant positive impact on the SME sector through its funding and practical support.

The UAE’s entrepreneurial ecosystem is crucial for the nation’s economic growth. By partnering with Khalifa Fund, SME growth is accelerated, and commercial success is strategically achieved.

Get Funded

Funding Products

Khalifa Fund has designed several funding products to support the growth and success of SMEs.

  1. 1. Microfinance Loan

    For new entrepreneurs with project costs up to AED 1 million
    Funding up to AED 500,000
    80% project cost coverage
    Repayment up to 60 months | Up to 18 months grace period

  2. 2. Small Loan

    For start-ups and growing micro/small enterprises
    Project range: AED 1M – AED 5M
    Funding up to: AED 2M (manufacturing), AED 1M (other sectors)
    80% of the project cost coverage
    Repayment up to 72 months | Up to18 months grace period

  3. 3. Expansion Loan for established SMEs ready to grow

    For established SMEs ready to grow

    Funding up to: AED 3M (manufacturing), AED 2M (other sectors)
    80% of the project cost coverage

    Repayment up to 84 months | Up to 24 months grace period

  4. 4. Agri: Pack House & Infrastructure Development Fund (PHIDF)

    Up to AED 250,000
    For post-harvest facilities like storage and sanitation
    90% cost coverage | Up to 36-month repayment | Up to 18-month grace period

  5. 5. Agri: Net House Development Fund (NHDF)

    Up to AED 400,000
    For greenhouse modernisation and crop protection
    90% cost coverage | Up to 60-month repayment | Up to 18-month grace period

  6. 6. Agri: Water Management System Enhancement Fund (WMSEF)

    Up to AED 150,000
    For efficient irrigation and sustainable water technologies
    90% cost coverage | Up to 48-month repayment | Up to 18-month grace period

  7. 7. Financing Business – Operating Capital

    Up to AED 600K with no minimum cash contribution
    Designed to support day-to-day operational expenses and immediate cash flow needs.
    Up to 12 months repayment period | Up to 3 months grace period

    Scale Up Funding

  8. 8. Financing Fixed Assets – Vehicles and Logistics

    Up to 80% of the Vehicle Cost with a maximum of AED 1M
    Enabling the purchase of vehicles essential for business operations and logistics including cars, trucks, boats, etc.
    Minimum cash contribution: Remaining Vehicle Value
    Up to 36 months repayment period | Up to 3 months grace period

    Scale Up Funding
  9. 9. Financing Fixed Assets – Machinery & Equipment

    Up to 80% of the Equipment Cost with a maximum of AED 1M
    For the acquisition of essential business machinery and equipment.
    Minimum cash contribution: Remaining Equipment Value
    Up to 36 months repayment period | Up to 3 months grace period

    Scale Up Funding
  10. 10. Bill Discounting

    Up to 80% of the discounted bills with a maximum of AED 1M
    To unlock immediate liquidity by financing upcoming or future receivables.
    Minimum cash contribution: remaining of the discounted bills
    Repayment to be made in 1 bullet payment (linked to contract) | Up to 3 months grace period

    Scale Up Funding
  11. 11. Advance Payment Guarantee (APG)

    Up to 70% of the APG with a maximum of AED 1M
    To support contract execution by providing advance payment security to customers.
    Minimum cash contribution: Remaining of the APG
    Repayment period as per contract not exceeding 36 months

    Scale Up Funding
  12. 12. Financing E-commerce Inventory

    Up to 80% of the discounted bills with a maximum of AED 1M
    Enabling e-commerce SMEs to manage inventory cycles and optimize cash flow.
    Minimum cash contribution: Remaining of the inventory cost
    Up to 12 months repayment period | Up to 3 months grace period

    Scale Up Funding
  13. 13. Agri Tech Financing

    Up to AED 2M
    For agri-tech solutions driving productivity, resilience, and environmental impact
    Minimum cash contribution of 10% of the loan
    Between 24 to 48 months repayment period | Between 6 to 8 months grace period

    Scale Up Funding

Get Funded

Khalifa Fund offers medium-term, interest-free loans to Emirati entrepreneurs that will support their business potential and growth. Emirati entrepreneurs aged 21-60 with operational businesses in Abu Dhabi and Western Region can apply. Funding is available according to an eligibility criteria for businesses in Healthcare, Education, Agriculture, ICT, Tourism, and Manufacturing industries.

ELIGIBILITY CRITERIA

Check your Eligibility

Designed to help entrepreneurs assess their eligibility for Khalifa Fund programs, this user-friendly interface lets you input key financial details such as funding amount, repayment period, monthly salary, net cash flow and profit for the last two years, rental income, credit card limit, and bank instalments.

Click “Calculate Eligibility” to begin your business growth journey with Khalifa Fund.

Calculations provide a provisional estimate of available funds. Actual eligibility may vary based on additional factors and final approvals. Our calculator is regularly updated for accuracy.

Assess your eligibility today!
Calculate Eligibility
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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.

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.

Visit FAQ page