The latest data from the Central Bank of the UAE shows total Gross Credit reaching AED 2.24 trillion — growing 9.4% year-on-year — with private sector lending specifically at AED 1.27 trillion, up 8.3%. For UAE businesses, this signals a favourable lending environment that rewards preparation and professional presentation.
Key Highlights from the CBUAE Report
- Total Gross Credit: AED 2.24 trillion — up 9.4% year-on-year
- Private Sector Lending: AED 1.27 trillion — growing 8.3% year-on-year
- Business & Industrial Credit: AED 790 billion — up 3.5% year-on-year
- Credit to Non-Residents: Surged 37.3% year-on-year — reflecting international confidence in UAE structures
- Private Sector Deposits: Grew 15% — demonstrating improving liquidity across the business community
Sector Spotlight: Industrial & Trade Finance
Business and Industrial sector credit reached AED 790 billion with active lending appetite in construction, food production, import-export, logistics, healthcare, and manufacturing. Businesses with government or blue-chip counterparties are finding lenders especially receptive.
What Should SMEs Do Now?
- Reassess capital requirements — both working capital and medium-term growth investment
- Strengthen financial reporting — ensure bank statements and management accounts tell a consistent story
- Prepare professional loan proposals for working capital, equipment, or expansion facilities
- Explore trade finance and revenue-based alternatives where traditional lending may not be the right fit
How Synergy Consulting Can Help
Synergy Consulting works with UAE and GCC businesses to structure and place funding proposals with the most appropriate lending institutions. Whether you need working capital, a term loan, trade finance, or alternative capital, we bring lender relationships and credit structuring expertise to give your funding application the best possible outcome.