Abu Dhabi Government SMEs Credit Guarantee Program.


In line with the directives of His Highness Sheikh Mohamed bin Zayed Al Nahyan, Crown Prince of Abu Dhabi, Deputy Supreme Commander of the UAE Armed Forces and Chairman of the Abu Dhabi Executive Council, to take further measures to prioritize SMEs, the Abu Dhabi government has further expanded the SME Credit Guarantee Scheme, increasing SME's access to financing in the Emirate of Abu Dhabi.


This program provides SMEs with wider access to renewable financing options for working capital and  CAPEX up to four-years duration to support further investment in Abu Dhabi. The initiative guarantees up to 80% of the finance extended under this scheme for SMEs in Abu Dhabi.

Schedule of Charges
​Banking service agreement - (Valid for customers joining ADIB BEFORE 1st November 2020)
​Banking service agreement - (Valid for customers joining ADIB FROM 1st November 2020)

Important notice:

Please note, the updated version of the Banking Service agreement shall become effective as of 01 November 2020 (the “Effective Date”) for any Business account that shall be onboarded from the effective date and later.
Any transaction conducted on your account(s) on and after the Effective Date shall be deemed to be an acceptance by you of the updated version of the Banking Service Agreement.

  • Flexible terms and conditions
  • High finance amount
  • Competitive profit rates
  • Quick processing time

The program is available to all SMEs that are registered, operating and headquartered in the emirate  of Abu Dhabi.