The all-in-one
SME Islamic funding app
built for UAE businesses.
Fast approvals. Minimal docs. Shariah-compliant structures. Smedge gives UAE merchants and businesses instant access to working capital — backed by your marketplaces like Talabat, Amazon, Noon or POS revenue — with quick, automatic repayments built right in.
Ask AI for a summary of Smedge
Our Products
Finance shaped around your revenue
Whether your revenue comes through Marketplace, your POS terminal, or direct B2B invoices — Smedge has a financing product that repays itself from the money you're already earning.
Merchant Finance
Marketplace & POS-Linked Funding
Working capital for businesses earning through platforms or card terminals. Repayments are automatic, fixed and bi-weekly — no manual payments, no missed instalments.
Check Eligibility
Business Finance
Short-Term Funding for Established Businesses
Structured funding for trading and service businesses with strong turnover history. Clean weekly or bi-weekly repayments.
Invoice Finance
Unlock Cash Tied in Your Invoices
Stop waiting 30–90 days to get paid. Get up to 90% of your invoice value advanced immediately.
Who it's for
Built for real UAE businesses & merchants
If you've been operating for 2+ years, generate steady revenue, and are tired of slow bank processes, Smedge is built for you.
Marketplace & Platform Sellers
Fund operations against your marketplace settlements — repay automatically as sales come in.
POS & Card-Based Businesses
Leverage your card terminal revenue to access working capital without disrupting cash flow.
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Clinics & Service Providers
Cover equipment, staffing, or expansion costs — repay through your existing settlement collections.
Trading & Wholesale Companies
Bridge inventory gaps and supplier cycles with funding structured for B2B operators.
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Professional & Tech Services
Firms with strong bank history and steady turnover — qualify for structured business funding.
Free Tool
Check your eligibility
in 60 seconds
No credit check. No Commitment. Estimate based on your input
Wholesale & Retail Trading
Indicative estimate only. Actual offer and pricing are personalised.
no credit check, no commitment required to check.
What You'll Need
Apply in under 15 minutes
No branch visits. No printouts. Just a few digital documents from your phone.
Emirates ID & Trade License
Bank Statements
VAT Certificate & Returns
Marketplace or POS Accessing
Ejari / Business Tenancy
All documents submitted digitally. No physical signatures required during the application stage.
Repayment Calculator
Plan your repayments
Get a rough sense of your bi-weekly instalment. Actual pricing is personalized. apply to get your exact offer.
AED 250,000
6 months
1.5%
Your Bi-weekly
Instalment
—
*Illustrative estimate only. Your personalized rate is determined after assessment.
FAQ
Questions answered
Everything you need before you apply.
What is the difference between Merchant Finance and Business Finance?
Merchant Finance is designed for businesses that earn through marketplaces (Talabat, Amazon, Noon, Smiles) or POS terminals — your settlements repay the advance automatically. Business Finance is a structured short-term instalment facility for established SMEs and B2B operators, backed by bank statement history and turnover.
How does automatic repayment work?
Repayments are collected directly from your marketplace settlements or POS revenue on a fixed bi-weekly schedule — no manual payments and no missed instalments. You get full visibility of every collection in the app.
How quickly will I get a decision?
Most applications receive a decision within 24–48 hours of submitting complete documents. Checking your eligibility takes just 60 seconds, with no credit check and no commitment.
What documents do I need to apply?
Emirates ID & Trade License, 6–12 months of bank statements (ePDF), VAT certificate & returns, marketplace or POS access, and your Ejari / business tenancy. Everything is submitted digitally — no wet signatures required.
Get Started Today
Ready to grow? One app. All the finance you need.
Shariah-compliant. Fast approvals. Minimal docs. Automatic repayments.
Check your eligibility in 60 seconds, no credit check, no commitment.
Scan to Get Started
