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 (OLD) - Applied on the existing Business Accounts opened prior 01 November 2020, The (OLD) Banking Service Agreement will be replaced by the (New) Banking Service Agreement effective February, 2nd 2021. Any transaction conduced on your account(s) on and after February, 2nd 2021 shall be deemed to be an acceptance by you of the (NEW) version of the banking Service Agreement
​Banking service agreement (NEW) - Applied on the Business Accounts opened on November, 1st 2020 and thereafter.

  • 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.