Equipment Finance

Are you an SME looking to acquire or refinance assets that are central to your operations?


Our equipment finance product – EquipT – has been designed specifically to support local SMEs to acquire or refinance assets that are central to their operations.

We leverage our relationships with the UAE distributors network to provide you with the best financing solutions and to help you procure the equipment you need within designated timeframes.

EquipT is the right product for you if you are looking to:

  • Optimise your cash flow and support long-term planning
  • Protect and preserve your existing lines of credit
  • Structure payments to match your income streams and contractual cash flows
  • Enhance your balance-sheet ratios
  • Maintain competitive edge using the most up-to-date technology and equipment
  • Develop support strategies for equity generation in disposal of older equipment

Fees & Charges

Origination Fees
Application Fee

 Not applicable 

Processing Fee
  • 1.575% of original loan amount
  • Minimum Processing fee of AED 1,575
Valuation Fee Depending on nature of equipment & number of items to be valued
Account Management Fees
Full Repayment Fees (FRF)2
  • FRF for buyout : 4.20% of the outstanding loan amount at the date of repayment
  • FRF from own fund/ or sale of property: 2.10% of the outstanding loan amount at the date of repayment
Partial Repayment Fees (PRF)2
  • PRF for buyout: 4.20% of the extra repaid amount at the date of repayment
  • PRF from own fund/ or sale of property: 2.10% of the extra repaid amount at the date of repayment
Loan Closure Administration Fee3 AED 1,050
Offer letter cancellation Fee4 AED 1,050
Fees for Letters
Liability Letter AED 105 per occurrence
No Objection Certificate (NOC)/ Clearance letter AED 787.50 per occurrence
Other Fees
Offer Letter Renewal AED 1,050 per occurrence
AIP Renewal AED 1,050 per occurrence
Change in Approval Terms (Post disbursement) AED 1,050 per occurrence + Valuation Fee + any associated fees incurred from relevant Registration Authority or Developer if applicable
Loan Restructure Fee AED 2,100 per occurrence
Late Payment Fee AED 1,050 applied on a monthly basis on any payments overdue by 10 days or more
Default Rate Default interest shall mean: (a) where there is an event of Default5 or where an account is delinquent for more than 60 days, an additional 400 basis points shall be added to the existing interest rate (the “60 Day Penalty Rate”); and (b) where the event of Default or an account remains to be delinquent for more than 90 days, a further 400 basis points shall be added to the 60 Day Penalty Rate.
Returned Cheque / Direct Debit Fee AED 262.50 per returned cheque / dishonoured or failed Direct Debit
Replacement of Cheque / Amendment to DDS Account AED 262.50 per cheque replacement / amendment
Change in payment date AED 525 per occurrence
Permanent change in payment mode AED 262.50 per occurrence
Deferment of an instalment AED 367.50 per occurrence
Duplicate of Statement/Documents AED 262.50 per request
Security Registration and Discharge In accordance with the standard fees and charges of the relevant Registration Authorities
Equipment Tracking and Tagging In accordance with the standard fees and charges of the relevant tracking and tagging services provider
Equipment Insurance Mandatory

The above fees and charges apply to UAE Nationals and UAE Residents only. 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. Conditions apply.

1 Non refundable. If a Further Advance is made, the Processing fees as specified above are reduced to 75% of the standard amount (a minimum fee of AED 1,575).

Unless specified otherwise in the Offer Letter.

3 Fee paid upon closure of the Loan at any time. Fee reduces to AED525 if the Loan is repaid from own resources or the property is sold. this fee include the issuance of one clearance letter and one No Objection Certificate.

Payable if the applicant cancels the application after an offer letter is produced but before disbursement. 

5 The term Default shall have the meaning ascribed to it in the standard loan terms and conditions. 

Click here to download Fees and Charges PDF

Why Abu Dhabi Finance

Why Abu Dhabi Finance

Abu Dhabi Finance is one of the UAE’s leading financial services companies, providing individuals and businesses alike with the most relevant financial solutions.

Why Abu Dhabi Finance

Our Vision

To be the most admired real estate financial services company in the UAE

Our Mission

We aim to set the standard in the real estate financial services industry by providing our clients with:

  • Expertise in the local real estate industry, based on our breadth and depth of experience
  • Transparent products and services, built on leading international standards
  • Trusted advisors throughout the real estate investment journey

About Abu Dhabi Finance

Abu Dhabi Finance is the UAE’s fastest growing leading financial services company mortgage lender, providing individuals and businesses alike with the most relevant real estate financial solutions.

Since being formed in 2008 as a private joint stock company partnership between Mubadala Development Company pjsc, Aldar Properties pjsc and ADCB, Abu Dhabi Finance has grown from strength to strength. This partnership brings years of local financial knowledge and real estate expertise, combined with the most solid financial backing in the UAE and a tangible sense of corporate social responsibility.

Abu Dhabi Finance offers innovative financial solutions ranging from residential and commercial mortgages to financial support services. This expertise, coupled with outstanding client service that sits at the heart of everything we do, has translated into numerous customer service and innovation awards since our launch. In 2013, Abu Dhabi Finance became the latest recipients of the Banker Middle East Awards, winning Best Home Finance Company and Best Home Finance Product. Abu Dhabi Finance has also won the Stevie’s Award for Customer Service and the President’s Award for Customer Experience Management for the UAE Customer Service Week STAR Awards.

In 2013, Abu Dhabi Finance expanded its footprint to Dubai, bringing its unique combination of world-class professionalism and intimate client care to the market.

We encourage our clients to aspire to the highest levels of service and to benchmark their expectations against the best internationally. It’s because we have a passion for our community and our clients that we are determined to go to extraordinary lengths to delight them and exceed their expectations.

Abu Dhabi Finance Core Values

  • At Abu Dhabi Finance we define success through the client’s eyes:
    We go to extraordinary lengths to delight our clients and we strive to exceed their expectations
  • We are dedicated to satisfying our clients and we serve them competently, efficiently, knowledgeably, and with flair

At Abu Dhabi Finance, we encourage ideas that are dynamic and creative and we strive to improve:

  • We think differently
  • We do things the right way
  • We welcome the opportunity to improve and develop ourselves and others

At Abu Dhabi Finance, we are one team where every idea and every person counts:

  • We are all equal
  • We recognize and celebrate each other’s achievements

At Abu Dhabi Finance, people and community are served with respect

  • We are proud to support the Abu Dhabi Plan 2030, to transform Abu Dhabi to a global capital city
  • We engage in our community and we embed corporate social responsibility into our business pillars
  • We give extra attention to people and change ourselves to honor our commitments

Contact Us

Sunday to Thursday 8:30am to 5:00pm, GST
If you're in the UAE
800 ADF (233)
If you're abroad
+9712 6591900
Email Address

Visit us in Abu Dhabi

7th Floor, Aldar Headquarters, Behind Al Raha Mall, Abu Dhabi
Show route

Visit us in Dubai

Office #1701 17th floor, Al Habtoor Business Tower, Al Sufouh Road Opposite Habtoor Grand Resort & Spa Hotel Dubai Marina
Show route

Send us a message

* Required Fields
Subject *
How would you like us to contact you?