Launch your UAE business with zero upfront.
We finance your setup to an approved credit limit, with a 3-month payment break. Licensing, visas, banking, payroll, accounting and an AI business manager — all in one platform.
- 24 hrs
- Fastest launch
- AED 0
- Upfront
- 3 mo
- Payment break
- 200+
- Vetted partners
- 8
- Freezones live
- 100%
- Digital KYC
- AED 50M+
- Financed via partners
- 24/7
- AI business manager
- Licence, visas & bank — financed
- PRO, compliance, VAT & accounts — monthly
- WPS payroll, website & SaaS — monthly
- Loan repayment begins month 4
Fixed-price by design
A disclosed deferred sale with fully transparent, fixed pricing — structured and reviewed with our UAE-licensed finance partners. No interest, no surprises, no hidden fees.
Setup is just day one
Qiyada doesn't disappear after your licence prints. We run your back office — accounting, PRO, compliance, renewals, software — for as long as you're in business.
AI woven into every workflow
Document OCR, AI risk scoring, an AI compliance officer and an AI business manager that watches your VAT, payroll, renewals and cashflow 24/7.
An AI COO that never sleeps.
Filings, renewals, payroll, receivables, spend — Qiyada watches it all and tells you, in plain English, exactly what to do next.
One loan for setup. Monthly fees for everything else.
Your setup costs are financed through our approved finance partners. Ongoing services — PRO, compliance, accounts, VAT, WPS, website, SaaS and tech — are billed monthly. You get a 3-month payment break on the loan; repayments start in month 4 with a small, fully-disclosed profit.
- 01Apply & get approved
Submit Emirates ID, passport, income proof and business plan. KYC, AI risk scoring and finance-partner approval — fully digital.
- 02Sign one contract
A single agreement covering your setup loan and the monthly services bundle you've chosen — fixed, disclosed, no surprises.
- 03We build your company
Licence, visas, bank account, payment gateway, website, accounting and software — procured and stood up by Qiyada.
- 04Services run monthly
PRO, compliance, accounts, VAT, WPS payroll, website, SaaS and tech support — billed monthly from day one.
- 05Repay from month 4
3-month payment break on the setup loan. From month 4 you repay in equal instalments with a small, fixed profit added.
- 06Year 2 unlocks choice
Year 1 runs on Qiyada Managed. Once the setup loan and all service dues are cleared at renewal, the marketplace unlocks — stay on Managed, swap individual services, or bring your own vendor.
Qiyada is the front door. Our finance partner runs the approval.
You apply once on Qiyada. In the background, your file is routed to one of our UAE-licensed finance partners — banks and finance houses — who run their own regulated credit, KYC and AML checks against their internal policy. We never approve credit ourselves; we orchestrate it.
- • One digital application
- • OCR & document capture
- • AI pre-screen & risk score
- • Secure handover to partner
- • Regulated credit decisioning
- • KYC / AML & sanctions screen
- • Affordability & limit setting
- • Offer issued back to Qiyada
- Qiyada01
Identity
Emirates ID (front & back) and passport with valid UAE residence visa — captured via OCR and verified live.
- Qiyada02
KYC & profile
Selfie liveness check, address, employer or business activity, beneficial ownership for companies.
- Partner03
Bank verification
Open-banking link or 6 months of stamped bank statements — pulled securely into the partner's system.
- Partner04
Income & affordability
Salary certificate, trade licence, audited financials or VAT returns depending on your profile.
- Partner05
AECB credit bureau
Al Etihad Credit Bureau report pulled by the finance partner — credit score, liabilities and DBR assessed.
- Qiyada06
Decision & offer
Approved limit, term and fixed profit issued back to Qiyada — you sign one digital contract and we begin setup.
Approval criteria, required documents and limits are set by the finance partner and vary by profile and product. All data is shared under explicit consent and handled in line with UAE PDPL.
A vetted marketplace of UAE service providers.
Freezones and mainland authorities, accountants, lawyers, PROs, auditors, insurers, banks and software — all integrated into the platform. Compare offers, book, and pay in one click.
- Freezones & mainland (DMCC, IFZA, DED, DET…)
- Accountants & auditors
- PROs & corporate services
- Lawyers & notaries
- Banks & payment gateways
- Insurance & medical
- HR & payroll vendors
- SaaS & tooling
Setup is the loan. Operating is the subscription.
Your services contract runs alongside the setup loan. Accounting, PRO, VAT, WPS payroll, tech and SaaS are billed monthly — renewable with us or transferable to other providers at term end, once outstanding dues are settled.
“We launched our freezone agency in 3 days. The AI assistant flagged our VAT registration on day one — that alone would have cost us a fine.”
“Honestly the cleanest entrepreneur experience I’ve had in the UAE. Bank account, visas, accounting — all from one app.”
“The deferred-pricing structure made it possible for us to launch without burning runway. Transparent. Fixed-price financing.”
Launch. Operate. Scale.
Get approved, sign one contract, and we finance your setup while monthly services keep you running. Repayments start in month 4 — your UAE company, finally on autopilot.