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Unclaimed
Discovery tool, not advice. Every figure is the published rule, not a decision on your case.
Loans

Khalifa Fund for Enterprise Development - funding products

صندوق خليفة لتطوير المشاريع

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
3,000,000 AED

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%.

Funder

Khalifa Fund for Enterprise Development, Government of Abu Dhabi

public · regional

Deadline: rolling — Applications are accepted on a rolling basis through the Abu Dhabi Government services platform, TAMM.

Your odds
Not published

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.

Effort
major

Major bid — written case, budget, possibly partners.

You fund 20% yourself.

Who can apply

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

  1. Use the Khalifa Fund eligibility calculator to get a provisional estimate of available funds. — link
  2. Select the appropriate funding product from the Funding Scheme page. — link
  3. Submit the application via TAMM. — link
  4. On approval, request disbursement; post-funding services cover top-ups, amendments and collateral release.

What you will need

Apply on the funder's site

Source. https://www.khalifafund.ae/services/funding-scheme/ — checked 2026-08-14

"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"