Khalifa Fund for Enterprise Development - funding products
صندوق خليفة لتطوير المشاريع
Open continuously
No deadline — apply whenever you are ready.
Medium-term, interest-free loans. Microfinance Loan: for new entrepreneurs with project costs up to AED 1 million, funding up to AED 500,000, up to 80% project cost coverage, repayment up to 60 months with up to 18 months grace. Small Loan: project range AED 1M-5M, funding up to AED 2M (manufacturing) or AED 1M (other sectors), 80% cost coverage, repayment up to 72 months. Expansion Loan: up to AED 3M (manufacturing) or AED 2M (other sectors), 80% cost coverage, repayment up to 84 months with up to 24 months grace. Additional agri products (PHIDF up to AED 250,000; NHDF up to AED 400,000; WMSEF up to AED 150,000, each at 90% cost coverage) and Scale Up products (operating capital up to AED 600K; vehicles, machinery, bill discounting, APG and e-commerce inventory each up to AED 1M; Agri Tech Financing up to AED 2M).
You must co-fund 20%. Work out the cash you need
Khalifa Fund for Enterprise Development, Government of Abu Dhabi
public · regional
Deadline: Open all year — Applications are accepted on a rolling basis through the Abu Dhabi Government services platform, TAMM.
This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.
Major bid — written case, budget, possibly partners.
You fund 20% yourself.
Who can apply
- small enterprises
- Sectors: any, agri, health, manufacturing
- Stage: pre-seed, seed and growth
- Locally registered entity required
Emirati entrepreneurs aged 21-60 with operational businesses in Abu Dhabi and the Western Region can apply. Funding schemes are available to eligible Emirati-owned SMEs in Healthcare, Education, Agriculture, ICT, Tourism, Manufacturing and other sectors. Loans are interest-free but repayable; this is not a grant. Non-Emirati founders are not eligible.
How to apply
- Use the Khalifa Fund eligibility calculator to get a provisional estimate of available funds. — link
- Select the appropriate funding product from the Funding Scheme page. — link
- Submit the application via TAMM. — link
- On approval, request disbursement; post-funding services cover top-ups, amendments and collateral release.
What you will need
- Emirates ID proving Emirati nationality
- Business plan and project cost breakdown
- Trade licence for the Abu Dhabi / Western Region business
- Financial statements, salary certificate, bank statements
- Minimum cash contribution evidence
Related reading: How grant deadlines actually work · The EU SME definition (Recommendation 2003/361)
Source. https://www.khalifafund.ae/services/funding-scheme/
"Khalifa Fund offers medium-term, interest-free loans to Emirati entrepreneurs that will support their business potential and growth. Emirati entrepreneurs aged 21-60 with operational businesses in Abu Dhabi and Western Region can apply. ... Microfinance Loan ... Funding up to AED 500,000 ... Up to 8"
Verified on 14 August 2026
Source: www.khalifafund.ae
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