Skip to content
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%. Work out the cash you need

Funder

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.

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/

"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"

Last checked against the official page on 14 August 2026

Source: www.khalifafund.ae

Report an error Something wrong or out of date? Tell us.

Similar programmes

Paid, separate from Unclaimed

Want a human to review your application?

Involve Consulting can help — a paid expert-review service run by the same person behind Unclaimed, entirely separate from this free check. A flat fee, agreed up front; never a cut of what you receive.

Talk to Involve Consulting