PRIVATE MONEY LENDERS IN DUBAI

Private Money Lending in Dubai Explained

A Private Money Lender in Dubai is an individual, group, or company that provides loans outside of the traditional banking system and unlike UAE banks, which follow strict rules and require long paperwork, private money lenders focus on fast and flexible financing.

In Dubai, Private Money Lender can lend to individuals, expats, entrepreneurs, and businesses who may not qualify for bank loans, offering solutions for personal needs, business growth, or property investment.

In Dubai, private money lenders may provide short-term loans, business loans, property loans, or emergency financing. Many of them work with customized agreements, where repayment terms, fees, or profit-sharing are discussed directly with the borrower.

Are there serious private cash lenders in Dubai ?

Yes — there are legitimate private money lenders in Dubai, operating both independently and through more structured channels. Here’s a clearer breakdown:

The main types of private cash loans in Dubai are:

1. Personal Loans

Quick cash for individuals to cover urgent needs like rent, education, or medical bills. Faster approval than banks.

2. Business / SME Loans

Financing for entrepreneurs and small businesses to manage cash flow, buy stock, or expand operations.

3. Property & Real Estate Loans

Loans for buying, refinancing, or building property. Includes short-term bridging loans.

4. Sharia-Compliant Loans

Halal financing structured with profit-sharing (Mudaraba), leasing (Ijara), or resale with margin (Murabaha), avoiding interest (Riba).

5. Asset-Backed Loans

High-value loans secured against property, luxury assets, or investments to unlock cash quickly.

Which private lenders are available in Dubai and what are the conditions ?

Here are some well-known private lenders in Dubai and a concise look at their typical loan conditions. All operate under legal frameworks and offer varied alternatives to traditional bank lending:

Licensed Non-Bank Finance Companies (Private Lenders)

1. Mawarid Finance
A Dubai-based private joint-stock company offering a wide range of Sharia-compliant loans—including personal (e‑Murabaha), auto, home, and working capital financing—tailored to individuals and SMEs. Licensed by UAE regulators, they structure transparent contracts like Ijara and Musharaka. Conditions typically include documentation for income, and collateral may be required for larger loans.
Mawarid

2. Reem Finance
A Central Bank–licensed private finance company headquartered in Abu Dhabi that serves the whole UAE, including Dubai. They offer custom business and trade financing solutions with flexible terms and rapid execution. Generally, financing requires business plans and proof of business operations.
Reem Finance

High-Net-Worth & Asset-Backed Lending Experts

3. Enness Global
An international financial brokerage with a Dubai office providing bespoke loans for wealthy individuals, structured around collateral like real estate, securities, and business assets. These are often cross-border, high-value facilities for complex needs like investment or property acquisition.

Private Banking & Wealth-Driven Lending

4. FFA Private Bank
A private banking institution based in the Dubai International Financial Centre (DIFC), regulated by the DFSA. Offers credit and structured lending solutions as part of broader wealth management services. Conditions include high minimum relationship balances and personalized terms.