SME Lending

Grow today.
Repay as you grow.

Working capital built for UAE businesses. Running a business means opportunities don't always wait.

Check your eligibility How it works

Botim SME Lending connects eligible UAE businesses with working capital through Botim Finance, helping businesses manage cash flow, purchase inventory, expand operations and capture new growth opportunities.

Financing is provided by Botim Finance and is subject to eligibility, credit assessment, applicable terms and conditions.

Business owner growing with Botim SME Lending
The proposition

Capital when your business needs it.

Traditional business financing can take time.

We're making it simpler.

Apply digitally through the Botim ecosystem, securely share your business information and get assessed based on your business profile, cash flows and credit information.

Eligible businesses can receive a financing offer from Botim Finance designed around their business requirements.

Less paperwork.
Faster decisions.
More time to run your business.

UAE business owner
Why Botim SME Lending?

Financing that understands your business.

01

Fast.

A simple digital application with quick eligibility assessment.

02

Simple.

Minimal documentation and a straightforward application journey.

03

Flexible.

Financing and repayment options designed around your business needs.

04

Transparent.

Clear pricing. Clear repayment schedule. No surprises.

05

Data-driven.

Your business cash flows, transaction history and credit profile help us understand your business better.

06

Built into Botim.

Payments, settlements, business wallet and financing, connected through one ecosystem.

Financing by Botim Finance.

SME financing is offered through Botim Finance, bringing lending capability directly into the broader Botim business ecosystem.

Core benefits

More than a business loan.

01

Cash-flow-led lending

We look beyond traditional lending models.

Your business performance, cash flows and transaction data can help us better understand your business and assess financing eligibility.

02

Built into your business ecosystem

Accept payments.
Manage your money.
Access working capital.

All through the Botim business ecosystem.

03

Financing at the point of need

Eligible merchants can discover and apply for financing opportunities directly through Botim.

No branch visits.
No lengthy application process.

04

Flexible repayment

Your business doesn't operate like everyone else's.

Depending on your financing programme, repayments can be structured around the requirements and cash-flow profile of your business.

05

Designed for UAE SMEs

Built specifically for UAE SMEs and merchants, from neighbourhood businesses to growing digital, retail and service businesses.

06

Powered by the broader Botim ecosystem

Payments and transaction data can create a more connected experience between how businesses collect, manage and access money.

What can you use it for?

Your business. Your opportunity.

Use working capital to:

Buying inventory

Buy inventory

Stock up when demand is growing.

Managing cash flow

Manage cash flow

Bridge short-term working capital requirements.

Expanding your business

Expand your business

Open another location or grow your operations.

Purchasing equipment

Purchase equipment

Invest in the tools your business needs.

How it works

From application to funding. Simply.

01

Apply through Botim

Tell us about your business through a simple digital journey.

02

Securely share your information

Provide the required business, banking and credit information digitally.

03

Get assessed

Your application is assessed based on your business profile, cash flows, credit information and applicable lending criteria.

04

Receive your Botim Finance offer

Eligible businesses receive an offer from Botim Finance, clearly showing the approved financing amount, pricing, tenure, fees and repayment schedule.

05

Accept and get funded

Complete the required documentation, accept your financing offer and receive your funds.

Check your eligibility
Botim ecosystem advantage

Your money works better together.

01

Get paid.

Accept payments through Botim payment gateway, smart POS and payment solutions.

02

Manage.

Track settlements, transactions and business finances through your merchant dashboard and business wallet.

03

Grow.

Access working capital from Botim Finance through the Botim business ecosystem.

Payments→ Wallet→ Insights→ Financing→ Growth

One connected ecosystem built around your business.

Who can apply?

Built for businesses like yours.

SME financing through Botim Finance is available to eligible UAE businesses, subject to applicable credit assessment, lending policies, terms and conditions.

Eligibility may consider:

  • business vintage
  • business cash flows
  • bank account activity
  • transaction history
  • credit bureau information
  • existing financial obligations
  • other applicable underwriting criteria
Check your eligibility
Eligible UAE business
The Botim value proposition

Everything your business needs to move money, and grow it.

01

Accept money

Payment gateway + smart POS

02

Manage money

Business wallet + vIBAN

03

Pay money

Payments + payroll

04

Understand money

Merchant dashboard

05

Access capital

SME financing through Botim Finance

Connected business

Botim Finance

The lending entity providing SME financing to eligible businesses.

↓

SME customer

One customer journey. Clear financial-product ownership.

This gives customers the simplicity of the Botim experience while making it clear that the financing product is provided by Botim Finance.

Business ready to grow SME Lending

Your next opportunity shouldn't wait.

Check whether your business is eligible for financing from Botim Finance.

Simple application.
Fast assessment.
Financing built around your business.

Check your eligibility

Already have an offer?

View my offer
FAQ

Got questions?

SME financing is provided by Botim Finance L.L.C., a financial institution licensed and regulated by the Central Bank of the UAE. Financing is subject to eligibility checks, credit assessment, and approval.
Botim SME Lending is a digital financing solution designed to help micro, small, and medium businesses in the UAE access working capital. Businesses can use the financing to manage cash flow, pay suppliers, purchase equipment, cover operational expenses, or support business growth.
Eligible businesses can access financing from AED 10,000 to AED 500,000. The amount offered depends on your business's financial performance, credit history, and eligibility assessment.
The application process is designed to be simple and fully digital. You can submit your business details and required documents online. Processing and approval times may vary depending on your eligibility, document verification, and credit assessment.
No. Botim SME Lending offers unsecured business financing, meaning you do not need to pledge property or other assets as collateral. However, all applications remain subject to credit assessment and approval.
Your eligibility is assessed based on factors such as your business's operating history, revenue, cash flow, credit history, and repayment capacity. Additional information or supporting documents may be requested to complete the assessment.
Financing is repaid through fixed monthly instalments over 3, 6, 9, or 12 months, depending on your approved financing terms. Your repayment schedule, monthly instalment amount, and applicable interest will be clearly outlined in your loan agreement.
No. All applicable interest rates, fees, and charges will be clearly disclosed before you accept your financing offer. These may include a processing fee, early settlement fees, or late payment charges. You can review the full terms before making a decision.
No. All financing applications are subject to eligibility checks, credit assessment, and final approval by Botim Finance LLC. Submitting an application does not guarantee approval or a specific financing amount.

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SME financing products are provided by Botim Finance. All financing is subject to eligibility, credit assessment, applicable terms and conditions, and regulatory requirements. Submission of an application does not constitute approval or guarantee the availability of financing.

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