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Every SME business needs a flexible financial safety net to be ready for unexpected events

Such as late payments from customers or unforeseen equipment replacement or business expenses

Business Banking Overdraft provides you with access to a continuous extra funding facility, whenever you need it, simply by drawing directly from your Business Banking bank account, up to the approved overdraft credit limit - an ideal solution for businesses looking for a short-term boost to cash flow.

It provides quick and easy access to collateral-free overdraft facilities.

  • Extra business funding when you need it: An extra cash flow reserve whenever unexpected expenses crop up or when delays in customer payments occur.
  • Continuous line of credit on your business bank account: Credit line is available throughout the agreed overdraft term.
  • Cost effective, flexible borrowing: Payback occurs whenever funds are available. Interest is only charged when your business bank account is in debit
  • Fast approval process with minimal additional support documentation requirements.
  • Convenient multi-channel access (ATM, cheque, online banking, call centre and branch)
  • Flexible facility tenure (subject to annual credit review)
  • Fair pricing: Business overdraft arrangement fees and interest rates amongst the lowest in the UAE
List of charges
Requirements / Charges
Annual Interest RateAs per prevailing rates and policies


All fees and charges mentioned are subject to change from time to time at the sole discretion of Commercial Bank of Dubai without prior notification. Charges for services not indicated in this List of Fees and Charges are available on request. Additional expenses, e.g. postage, cable, courier, fax, legal fees, etc. will be charged for, where incurred.
  • Open to all registered business entities operating in the trading, manufacturing, professional or service sectors.
  • Applicants should be between 25-65 years during the finance tenure.
  • National ID or valid passport with UAE residence visa and Emirates ID of all signing authorities and shareholders, if applicable
  • Valid legal and constitutive documents (i.e. Trade License, Certificate of Commercial Registration, Free Zone Certificate of Incorporation, Memorandum of Association, Partnership Agreement) as applicable
  • Power of Attorney or Board Resolution, if applicable
  • Proof of Address
  • Details of Ultimate Beneficial Owners
  • Bank Reference Letter and Company Profile, if applicable
  • Audited financial statements


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04 211 2818

Outside UAE

+971 4 211 2818

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