SAMAA Finance
- Company typePrivate
- Founded2002
- HeadquartersDubai, United Arab Emirates
- Headcount101–250
- GTM typeB2B
- OfferingServices
SAMAA Finance firmographics
Firmographics- 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
SAMAA Finance industry classification
Industry- 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
Where SAMAA Finance is headquartered
LocationHeadquarters
- HQ city
- Dubai
- HQ country
- United Arab Emirates
- HQ region
- Middle East
Offices1 record
Markets served
SAMAA Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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.
- 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.
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Corporate Deposit - Minimum AED 1 Million |
| Unit Pricing | Multi-year contract | Mortgage Finance - Up to 70% of Asset Value |
| Unit Pricing | Multi-year contract | Lease Finance - Up to 80% of Asset Value |
| Usage-based | Pay-as-you-go | Invoice Discounting - Up to 90% of Receivables |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
SAMAA Finance product offering
Product offeringCore 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
Companies that use SAMAA Finance
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
SAMAA Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
SAMAA Finance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- NOON e-comcoreSAMAA 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
SAMAA Finance competitors and assessment
Company assessmentBroad 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
SAMAA Finance compliance and trust
Trust signalCompliance2 records
SAMAA Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
SAMAA Finance leadership team
Management profileNumber of profiles
Profiles6 records
SAMAA Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SAMAA Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SAMAA Finance
What does SAMAA Finance do?
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.
Is SAMAA Finance a public or private company?
SAMAA Finance is a private company. It is classified as corporate owned and is currently operating.
When was SAMAA Finance founded?
SAMAA Finance was founded in 2002. It employs 101 to 250 people.
Where is SAMAA Finance based?
SAMAA Finance is headquartered in Dubai, United Arab Emirates, in the Middle East region.
How does SAMAA Finance make money?
Five revenue lines are on record. Lease Finance is the primary driver. The others are mortgage Finance, trade Finance - Invoice and Cheque Discounting, supply Chain Finance / E-commerce Microloans and corporate Deposits.
Who are SAMAA Finance's main competitors?
Broad incumbents on record are Abu Dhabi Islamic Bank, Mashreq Bank, Emirates NBD, Network International, Commercial Bank of Dubai and First Abu Dhabi Bank (FAB). Direct peers are Al Yusr Leasing & Investment and Finance House PJSC. Saudi National Bank (SNB) is listed as a regional player. National Bonds Corporation is listed as an emerging player.
Does SAMAA Finance have an API?
No public API is recorded for SAMAA Finance.
What industry is SAMAA Finance in?
SAMAA Finance's product category is Non-Banking Financial Services. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement. Its NAICS code is 52222 and its SIC code is 6159.