SAMAA Finance

Name

SAMAA Finance

Legal name

SAMAA Finance P.S.C.

Website

https://samaafinance.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services

NAICS

Sales Financing (52222), Finance and Insurance (52)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

akta.pro secondary industry

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

Keywords

• Lease finance
• Mortgage financing
• Invoice discounting
• Corporate deposits
• Supply chain finance

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Lease Finance: Revenue generated from interest and fees on lease financing arrangements for plant and machinery, heavy equipment, commercial vehicles, and office automation products. Provides financing up to 80% of asset value with terms up to 5 years.
2. Mortgage Finance: Interest income from commercial and residential mortgage financing. Provides finance up to 70% of property value with tenure up to 15 years for warehouses, commercial premises, and residential units.
3. Trade Finance - Invoice and Cheque Discounting: Fees charged for invoice discounting and cheque discounting services. Allows businesses to unlock cash from receivables by drawing money against sales invoices or post-dated cheques before customer payment.
4. Supply Chain Finance / E-commerce Microloans: Working capital loans for e-commerce merchants on marketplace platforms. Revenue from interest on microloans provided to online sellers to finance inventory and business growth.
5. Corporate Deposits: Attracts corporate deposits (minimum AED 1 million) for varying tenors (6 months to 5 years) and pays fixed interest. Revenue generated through spread between lending rates and deposit rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

SAMAA Finance is a UAE Non-Banking Financial Institution providing lease finance, mortgage finance, trade finance (invoice and cheque discounting), supply chain finance (e-commerce microloans), and corporate deposit products to businesses across all seven UAE emirates. The company serves SMEs, corporates, e-commerce merchants, and property owners with industry-tailored financing packages ranging from 70–90% of asset/receivable value, supported by dedicated relationship managers and a digital application platform.

Product overview

SAMAA Finance is a Non-Banking Financial Institution offering a portfolio of financial products and services to the UAE market. The company operates a unified product portfolio centered around five core offerings: Lease Finance (the cornerstone product for equipment and asset financing), Mortgage Finance (commercial and residential property financing), Supply Chain Finance (e-commerce microloans for online merchants), Corporate Deposit (investment deposits for organizations), and Trade Finance - Discounting (invoice and cheque discounting for cashflow improvement). The products serve both corporate/SME customers and retail clients across all emirates in the UAE, with the company regulated by the Central Bank of the UAE.

Differentiator

Problem solved

Functional benefit

Products and services

• Lease Finance Tailor-made lease financing packages for UAE businesses to acquire plant and machinery, heavy equipment, commercial vehicles, and office automation products. Provides finance up to 80% of asset value with fixed monthly installments over terms up to 5 years. Includes Direct Lease (acquire movable assets without upfront capital outlay) and Sale and Lease Back (sell existing assets and lease them back to release working capital). Ownership transfers at end of lease period.
• Mortgage Finance Mortgage financing for commercial and residential properties including warehouses, production facilities, cold storage, commercial premises, and residential units. Finance available up to 70% of property value with tenure up to 15 years at fixed rates to protect against inflation, with flexible terms and competitive pricing.
• Supply Chain Finance Fast and flexible working capital microloans for e-commerce merchants operating on marketplace platforms. Designed to finance inventory and support business operations for online sellers underserved by traditional bank financing, with an initial launch in partnership with NOON e-com.
• Trade Finance - Discounting Invoice discounting and cheque discounting products enabling UAE businesses to improve cashflows by accessing funds against sales receivables or post-dated cheques before actual customer payment. Includes Invoice Discounting (finance up to 90% of receivable value, no collateral required, debt collection provided) and Cheque Discounting (short-term financing against post-dated cheques issued by customers).
• Corporate Deposit Corporate deposit scheme for organizations seeking attractive fixed returns on surplus liquidity. Minimum deposit of AED 1 million with tenors from 6 months to 5 years at fixed interest rates. Early termination allowed with a 1% per annum reduction on the interest rate, subject to applicable terms and conditions.

Quantifiable outcome

• Finance available for up to 80% of asset value (lease) and 90% of receivables (invoice discounting)
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

One partnership is on record.

• NOON e-comcoreStrategic or Co-development PartnerSAMAA Finance has entered into a strategic partnership with NOON e-com platform to launch e-commerce microloan products for marketplace sellers. This collaboration addresses the gap in the UAE market for e-commerce-specific financing, allowing SAMAA to provide working capital loans to online merchants on the NOON platform. The partnership represents SAMAA's expansion into digital marketplace lending.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Abu Dhabi Islamic Bank: Major UAE bank offering commercial, mortgage, and SME finance products under both conventional and Shariah-compliant structures — adjacent competitor for the same UAE business customer base.
• Mashreq Bank: Major UAE bank with a strong SME and trade-finance franchise; competes head-on with SAMAA in invoice discounting, working capital, and asset finance.
• Emirates NBD: One of the largest UAE banks offering commercial lending, mortgages, and SME finance — competing with SAMAA across lease, mortgage, and trade-finance products from a vastly larger balance sheet.
• Network International: Largest UAE payment processor serving banks and merchants; broad incumbent in the same financial-services ecosystem with overlapping merchant and SME relationships.
• Commercial Bank of Dubai: UAE commercial bank serving SMEs and corporates across lending and trade finance; directly overlaps SAMAA's enterprise target segment.
• First Abu Dhabi Bank (FAB): UAE's largest bank by assets with a full commercial, mortgage, and SME lending suite; sets competitive benchmarks in every product where SAMAA operates.

Direct peers

• Al Yusr Leasing & Investment: UAE-based NBFI focused on equipment and asset leasing for SMEs — directly comparable to SAMAA's lease-finance core product and target customer segment.
• Finance House PJSC: UAE-listed Non-Banking Financial Institution offering commercial lending, vehicle/equipment financing, and corporate deposits — the closest direct analogue to SAMAA's product set and regulatory standing.

Regional players

• Saudi National Bank (SNB): Largest Saudi bank and a regional GCC comparable; serves SME and corporate lending at scale, providing a benchmark for what scaled NBFI/bank competition looks like in the Gulf.

Emerging players

• National Bonds Corporation: UAE-based savings and investment vehicle — partial overlap with SAMAA's corporate-deposit liability franchise and a comparable UAE retail-investor distribution model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SAMAA Finance