Customised especially for your business requirements, Equipment Finance from ADF combines a number of great features and benefits to give you one of the most comprehensive solutions available in the market.

This product can be used to purchase new construction equipment and commercial vehicles within the UAE and registerable with the RTA Dubai & Abu Dhabi for your business needs.


  • Looking to purchase wheeled equipment for your business and want to minimise your down payment? ADF offers you up to 90% of the machinery cost!
  • Don't want the hassle of shifting your company's current account to a new bank ? You don’t have to.
  • Think your company size or industry restricts you from getting a loan? We offer finance for all kind of new construction, transport and heavy lifting assets


Borrow as little as AED 200,000 for a term of between 1 and 4 years

  • Minimum length of business: 3 years
  • The maximum loan amount depends on each applicant’s financial eligibility and is subject to UAE Central Bank regulations

Fees & Charges

Processing Fee:

  • 1.575% of loan amount (non-refundable)


All Fees and Charges mentioned above are inclusive of Value Added Tax (VAT) and are subject to change at two months’ notice at the sole discretion of Abu Dhabi Finance PJSC. Terms & Conditions apply.

Frequently Asked Questions

We are a specialist lender within the commercial vehicle and heavy equipment industries in the UAE

You can apply for an equipment loan with us by calling 800 ADF (233) or through our website. You can discuss your needs with one of our equipment finance experts, who will conduct an initial fact-finding interview to ensure that you have a clear picture of what will be required.

Interest is calculated based on the daily principal outstanding balance on your Equipment Loan account. Your monthly instalment will be applied against your outstanding balance, plus the interest accrued.

An independent valuation of the used equipment is mandatory and is conducted by ADF's empanelled valuers. The loan amount is then calculated by the lender based on the valuation amount provided by the valuers.

No valuation is requiered for new equipment purchase.

The higher the down payment,  the lower the loan amount. Loan-to-value (LTV) is a financial term used by lenders to express the ratio of the loan amount against the value of the property. While it may be tempting to apply for the highest LTV in order to minimise the down payment needed, it is important to take into account future cash flow requirements based on the loan amount in order to ensure that future repayments are manageable.

There is no need to change your current banking relationships, as long as you have a company bank account in the UAE.

Yes. Abu Dhabi Finance offers construction finance for commercial properties in Abu Dhabi, Dubai, Sharjah, Ajman and Ras Al Khaimah.

No, we are a specialist conventional (Non-Islamic) lender for construction equipment and commercial vehicles.

Yes, it is advisable. We at ADF work out your maximum eligibility before you look for equipment. Once approved you could look for the equipment that would be affordable. Charges are applicable.

Yes. Comprehensive and plant and machinery insurance for the value of the asset assigned to Abu Dhabi Finance

Yes. The equipment should be registered with RTA and mortgaged to Abu Dhabi Finance.

Terms & Conditions

Coming soon