Frequently asked questions
Learn more about trade finance, equity release, and funding solutions. Browse our FAQs for quick guidance and support.
FAQ
Why should I hire amnacapital debt advisory when I could do this myself?
Businesses can approach banks directly — the real challenge lies not in access to funding, but in selecting the right debt aligned with the business.”
Identifying the right source of capital requires an understanding of cash flow cycles, repayment capacity, and long-term growth plans.
At amnacapital, the focus is on:
This approach helps businesses secure the right debt solution rather than just any available financing.
Because the wrong debt is more expensive than no debt.
How do you keep the whole process digitized?
We keep the entire debt advisory process fully digitized to make it faster, more transparent, and frictionless for our clients.”
At amnacapital, this means:
The result? You spend less time dealing with paperwork—and more time focusing on your business.
How can I get more information about interested services?
You can explore our services in detail on our website. If you’d like personalized guidance, feel free to reach out to us directly.
Our team will get back to you promptly to understand your needs and guide you toward the right solution.
How do I know my credit score?
We will analyze your credit report and advise areas to improve.
How do I know if my company is eligible?
Eligibility depends on factors such as your company’s operating history, revenue, financial performance, bank statement conduct, credit profile, and business activity. A quick assessment can be conducted based on your documents and funding requirements to determine the most suitable options available.
What interest rates can I expect?
Mostly depends on what type of lending ‘secured or unsecured’, apart from that it varies depending on the business. Interest rates vary depending on the business profile, lender, and type of facility. In the UAE, business financing rates typically range from 5% to 25%, based on factors such as the nature of business, length of operations, financial strength, credit profile, and lender assessment.
How long does the approval process take?
Approval timelines vary depending on the complexity of the case and the funding requirement. Typically, larger ticket transactions may take 4 to 8 weeks, while smaller facilities can be processed faster once all required documents are submitted. Certain fast-track facilities may be completed within a shorter timeframe.
How quickly can funds be disbursed after approval?
Once approved, funds are typically disbursed within 1 to 7 working days working days, subject to submission of all required security documentation and lender processing timelines. Certain lenders may offer faster disbursement for eligible cases.
What documents are required?
Required documents in general includes KYC, constitutional, audited financial statements and other documents based on the nature of the business, type of the required facilities, lenders criteria and so on – our team will guide on this
Can I apply if I already have existing loans?
Yes, businesses with existing loans may still be eligible for additional financing, subject to lender assessment of current liabilities, repayment history, and overall affordability. In certain cases, debt consolidation solutions may also be considered based on the business profile and requirements.
Is collateral required for business financing?
Collateral requirements vary depending on the lender and facility type. Collateral is not required for unsecured business loans. Many financing solutions are unsecured, while certain facilities—particularly larger or more specialised ones—may require collateral or additional security.
Can you assist if my company has low profitability or weak financials?
Yes, businesses with low profitability or weaker financials may still qualify for certain financing solutions. We assess each case holistically and work with a range of lenders to identify suitable options based on your broader business profile.
How are your advisory fees charged?
Our advisory fees vary depending on the scope, complexity, and nature of the financing requirement. Fee structures may include success-based, retainer, or hybrid arrangements, all communicated transparently in advance.