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          Business Accounts

          Business Banking Basic

          Key Benefits

          • Fully Sharia-compliant products
          • Available in different currencies
          • First Cheque Book Free

          Eligibility

          • Minimum monthly average balance of AED 25,000 or equivalent in other currencies
          • Monthly Fee of AED 350 for non-maintenance of minimum monthly average balance
          Business Banking Basic Card

          Business Banking Premium

          Key Benefits

          • Fully Sharia-compliant products
          • Available in different currencies
          • First Cheque Book Free
          • Dedicated Relationship Manager

          Eligibility

          • Minimum monthly average balance of AED 100,000 or equivalent in other currencies
          • Monthly Fee of AED 500 for non-maintenance of minimum monthly average balance
          Business Banking Premium Card

          Business Banking Platinum

          Key Benefits

          • Fully Sharia-compliant products
          • Available in different currencies
          • First Cheque Book Free
          • Dedicated Relationship Manager

          Eligibility

          • Minimum monthly average balance of AED 250,000 or equivalent in other currencies
          • Monthly Fee of AED 650 for non-maintenance of minimum monthly average balance
          Business Banking Platinum Card

          Point of Sale (POS) Finance

          Unlock Business Growth with Shariah Compliant Finance Against Assignment of Shariah-Compliant Point of Sale (POS) Proceeds.Your daily POS transactions are not just sales, they are an opportunity to access fast and flexible financing tailored to support your business needs. Ajman Bank’s Business Finance Against POS Receipts, empowers you to leverage your card sales to secure funds for cash flow management, business expansion, or urgent expenses with minimal paperwork and quick approvals.

          POS Finance

          Key Benefits

          • Financing up to AED 2.5 million with flexible payment terms of up to 4 years
          • Payment plans aligned with your business sales volume
          • Streamlined application process with minimal documentation
          • Dedicated business banking specialists to support your financing journey

          Eligibility

          • Minimum Length of Business: 3 Years
          • Annual Turnover: AED 5 Mio per annum with minimum AED 250K per month for last 12 months
          • Acceptable Al Etihad Credit Bureau Reports: No Default History
          • Acceptable Central Bank Risk Bureau Reports: Normal Classification
          • Finance up to AED 2.5 Mio

          Documents

          • Volume Letter from the POS machine provider
          • KYC document for Business and Individuals
          • Company bank statement for 12 months
          • VAT registration certificate

          * Additional documents may be requested according to Ajman Bank policies and procedures. Document requirements might vary depending on the company structure and facility requirement.

          Trade & Working Capital Finance

          Empowering Your Business with Seamless Cash Flow Solutions

          At Ajman Bank, we understand that managing cash flow and funding trade cycles are critical to your business success. Our Trade and Working Capital Finance solutions are designed to support your day-to-day operations, facilitate local and international trade, and help you seize growth opportunities while staying fully aligned with Shari’ah principles.

          POS Finance

          Receivable Financing

          • Short-term Murabaha Facilities
          • Islamic Covered Drawing (ICD)
          • Finance Against the Proceeds of Sales Invoice
          • Inventory / Stock Financing

          Trade Finance Solutions

          • Import Murabaha (LC-based or Collection-based)
          • Export Financing (Pre-shipment and Post-shipment)
          • Letters of Credit (LCs) – Sight & Usance
          • Letters of Guarantee (LGs)
          • Documentary Collections

          Backing Your Business Every Step of the Way

          Whether you're importing raw materials, exporting finished goods, or managing seasonal cash flow, Ajman Bank is here to support your journey with ethical, efficient, and empowering financial solutions.

          Eligibility

          • Limit for working capital up to AED 15 Mio for TWC
          • Minimum Length of Business: 3 Years
          • Acceptable Al Etihad Credit Bureau Reports for Obligor (SME) and Guarantor / Active Partners
          • Acceptable Central Bank Risk Bureau Reports: Normal Classification

          * Other eligibility criteria terms and conditions apply.

          Documents You'll Need

          • KYC documents for Business and Individuals
          • Bank statement based limits: 12 months of bank statement
          • 3 years audited financial statements for Trade & Working Capital Finance
          • VAT registration certificate

          * Additional documents may be requested according to Ajman Bank policies and procedures. Document requirements might vary depending on the company structure and facility requirement.

          Commercial Real Estate Finance

          Ajman Bank’s Commercial Real Estate Finance is designed to help businesses and investors acquire, develop, or refinance against income generating properties while staying fully aligned with Shari’ah principles. We offer ethical and flexible financing solutions to support your goals.

          POS Finance

          What We Finance

          • Commercial / Residential units and buildings
          • Warehouses and industrial units
          • Hospitality and mixed-use developments

          Let’s Build Your Vision

          Whether you're acquiring a new property or expanding your portfolio, Ajman Bank is here to support your growth with Shari’ah-compliant solutions tailored to your objectives.

          Tenor can maximum up to 15 years.

          Eligibility

          • Limit for financing up to AED 50 Mio for CREF
          • Minimum Length of Business: 3 Years
          • Tenor: maximum up to 15 years
          • Acceptable Al Etihad Credit Bureau Reports for Obligor (SME) and Guarantor / Active Partners
          • Acceptable Central Bank Risk Bureau Reports: Normal Classification

          * Other eligibility criteria terms and conditions apply.

          Documents You'll Need

          • KYC documents for Business and Individuals
          • 3 years audited financial statements of the company
          • VAT registration certificate

          * Additional documents may be requested according to Ajman Bank policies and procedures. Document requirements might vary depending on the company structure and facility requirement.

          Mortgage-Backed Business Finance

          Unlock the Value of Your Property to Power Your Business Growth Businesses today need flexible and dependable funding to scale operations, manage cash flow, and seize new opportunities. With Mortgage Backed Business Finance, you can leverage the value of your residential, commercial, industrial property or mixed use buildings to access high value, low cost financing designed around your ambitions.

          POS Finance

          What Is Mortgage Backed Business Finance?

          Mortgage Backed Business Finance is a secured financing solution where your business finance is backed by a property. By using your property as collateral, you gain access to larger credit limits, competitive profit rates, and longer payment terms, helping you unlock liquidity without disrupting your daily operations.

          Take Your Business to the Next Level

          Unlock the capital tied up in your property and accelerate your growth.


          Speak to our Business Banking team today to explore how Mortgage Backed Business Finance can strengthen your financial strategy.

          Eligibility

          • Limit for working capital up to AED 15 Mio for Mortgage Backed Business Finance
          • Minimum Length of Business: 3 Years
          • Tenor: maximum up to 10 years
          • Acceptable Al Etihad Credit Bureau Reports for Obligor (SME) and Guarantor / Active Partners
          • Acceptable Central Bank Risk Bureau Reports: Normal Classification

          * Other eligibility criteria terms and conditions apply.

          Documents You'll Need

          • KYC documents for Business and Individuals
          • VAT registration certificate
          • 3 years audited financial statements of the company

          * Additional documents may be requested according to Ajman Bank policies and procedures. Document requirements might vary depending on the company structure and facility requirement.

          How was your experience?

          We'd love to know.

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