LENDURA
Banking solutions

Structured Banking Solutions for SMEs

From account opening to working capital, trade finance and private investment support, LENDURA designs a banking structure that fits the way your business actually runs – not just what a form says.

End-to-End SME Banking Suite

We help you build a bankable profile and then connect you to the right institutions – banks, NBFCs and private investors – based on your business stage and cash-flow reality.

SME Bank Accounts

Corporate account selection, account opening support, and banking relationship set-up.

Account types, charges & usage structure.

Business Loans

Term loans and flexi facilities for expansion, stock, renovation and consolidation.

Bank & NBFC options based on profile.

Working Capital / OD

Overdrafts, revolving lines and short-term liquidity solutions for cash-flow gaps.

Turnover and banking behaviour based.

Trade & LPO Finance

Facilities backed by invoices, LPOs and contracts for trading and contracting businesses.

For importers, suppliers & contractors.

Banking structure

Build the Right Banking Structure

We’re not just filling forms. We look at how your cash flows, what your business does, and how banks will read your profile – then align the banking stack accordingly.

  • Bank selection based on your sector, turnover and AECB profile.
  • Clarity on limits, pricing, security and documentation expectations.
  • Coordination with relationship managers and credit teams.

Core Banking Facilities We Help You With

SME Account Opening

Selection of banks and account types aligned to your trade license and future funding needs.

  • Minimum balance & charges explained
  • Multi-currency options

POS & Merchant Solutions

POS machine setup, online payment gateways, and integration with your daily sales.

  • POS-linked lending options
  • Fees & settlement flow guidance

Business & Corporate Cards

Structured usage of business and corporate cards for expenses & travel.

  • Limit planning
  • AECB impact awareness

Payroll & WPS Structuring

WPS setup, salary routing and cash-flow alignment that supports future funding.

  • Salary account selection
  • Consistency & compliance

Documentation & File Preparation

A strong banking file is more than just attaching documents. We help you prepare a clean, logical, and bank-friendly case.

  • Trade license, MOA and establishment docs review.
  • Bank statements clean-up & flow planning.
  • Liability map (loans, cards, guarantees).
  • Basic projections or business narrative where needed.

Credit & Risk Behaviour – What Banks See

  • AECB score & past conduct (overdues, write-offs, settlements).
  • Statement conduct – cheque returns, cash deposits, transfers.
  • Turnover consistency – seasonal vs erratic vs structured.
  • Debt burden – EMI load vs income / turnover.

LENDURA guides you on which areas to improve, and how to present your current position honestly but positively.

Bank Facilities vs Private / Alternative Funding

Bank Facilities Private / Alternative Funding
Pricing Generally lower cost, but stricter eligibility. Higher cost, but more flexible for complex cases.
Speed Can take longer due to internal approvals. Typically faster, case-by-case discussions.
Documentation Standardized and policy-driven. More flexible but still structured.
Use Case Ideal for stable, established SMEs. Useful for special situations or bridge funding.
Control Standard bank terms and securities. Custom structures, sometimes with covenants.

LENDURA does not replace banks – we help you balance between bank facilities and private options where required.

Sectors We Commonly Support

We work with a wide variety of SME profiles across the UAE.

Trading & General Trading Restaurants & Cafés Auto Garage & Services Construction & Contracting Interior & Fit-Out Travel & Tourism Consulting & Professional Services

SMEs Supported

0

across UAE

Funding Guided

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+ Million AED

Institutions

0

banks & NBFCs

Repeat Clients

0

% come back again

LBC – Lendura Business Collaborations

Banking Solutions + Business Collaborations

Through the LBC platform, we connect with DSAs, consultants and investors – so your banking solution can be supported with real business collaborations, referrals and growth opportunities.

Banking, funding and collaborations – all under one umbrella.

Explore LBC Platform
LBC network

Check Which Banking Route Suits You

Share your trade license, last 6–12 months bank statements and AECB summary. We’ll guide you on whether to focus on bank facilities, private options or a mix.

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