FAQ
SELCTUS Financing – Personal & SME Loans
GENERAL QUESTIONS
SELCTUS Financing is a registered financial consultancy firm that assists individuals and businesses in the UAE with loan facilitation, credit analysis, and financial advisory.
No, SELCTUS is not a bank. We act as a financial facilitator, helping clients connect with banks and financial institutions.
Yes, SELCTUS works in compliance with UAE regulations and only with licensed institutions governed by the Central Bank of the UAE.
PERSONAL LOANS
UAE residents (salaried or self-employed) with valid Emirates ID, stable income, and a minimum salary of AED 3,000–5,000 may qualify.
Emirates ID, passport, salary certificate, bank statements (3–6 months), visa, and existing loan statements if applicable.
Loan amounts depend on your salary and credit score, typically up to 20x your monthly salary.
Pre-approval within 1–2 days, final approval within 3–7 working days (bank dependent).
SME LOANS & BUSINESS FINANCING
Working capital, term loans, POS finance, equipment finance, and Islamic financing.
Valid trade license (1+ year), bank statements (6–12 months), business profile, and minimum AED 500,000 turnover.
Yes, with a business plan and complete documentation, we guide startups to the right funding options.
Some loans are unsecured, others may need guarantees or post-dated cheques.
FEES & SERVICES
Yes, a pre-agreed professional fee applies after eligibility is confirmed and facilitation begins.
Yes, we maintain strict confidentiality and only share your data with banking partners for processing.
OTHERS
Yes, we support refinancing, loan takeovers, and top-up assistance.
Contact us via our website, WhatsApp, or phone. We'll assess your case and guide you through the next steps.