Unlock liquidity linked to your car
Access cash through a vehicle-based arrangement. Simple structure. Transparent terms. No banks involved.
This solution is designed for situations where speed, clarity and flexibility matter more than traditional bank processes. It focuses on a simple, asset-based structure with clearly defined steps from start to completion.
A vehicle-based liquidity solution
This solution is designed for car owners who are exploring ways to access liquidity linked to the value of their vehicle
Instead of traditional bank products, the structure focuses on:
- the value of the asset
- clear contractual arrangements
- predefined use and exit scenarios
How It Works
All terms depend on the vehicle, ownership structure and individual circumstances.
Step 1. Apply online
Submit basic details about your car and ownership.
The request takes just a few minutes.
No income or employment documents required.
The request takes just a few minutes.
No income or employment documents required.
Step 2. Initial review and structure outline
We review the vehicle details and provide an initial outline of the proposed structure, including indicative terms and duration. This helps you understand whether the option is suitable before moving forward.
Step 3. Vehicle valuation and confirmation
The car value is verified based on market assessment and condition checks.
Final terms are confirmed based on the agreed structure.
Final terms are confirmed based on the agreed structure.
Step 4. Sale and usage agreement
The vehicle is transferred under a sale arrangement, and a usage or lease agreement is signed at the same time. You continue using the car under agreed terms for the selected period.
Step 5. Access to liquidity
Once the agreements are completed, the agreed liquidity amount is released to you. The process is structured, transparent and contract-based.
Step 6. Use period
You continue using the vehicle during the agreed term, typically 3 to 12 months, depending on the selected structure. All conditions are fixed in advance.
Step 7. Repurchase and completion
At the end of the agreed term, the vehicle is repurchased at a pre-agreed price in accordance with the contract, completing the structure.
This step finalises the arrangement and returns full ownership of the vehicle to you.
This step finalises the arrangement and returns full ownership of the vehicle to you.
Why This Structure
Why car owners choose this approach
- This structure is designed for those who prefer clarity and predictability over traditional bank products.Instead of complex approval processes, the focus is on:
- the value of the vehicle
- clearly defined contractual terms
- a fixed timeline and completion scenario
A simple example of how the product works
Say you own a car valued at AED 100,000 and are exploring a short-term liquidity solution. Here is what the structure may look like. This example is provided for illustration purposes only. Actual terms may vary depending on the vehicle and individual circumstances.
- Vehicle value and liquidityVehicle assessment
Estimated market value: AED 100,000
Liquidity amount
Liquidity linked to the vehicle: AED 30,000 - AED 50,000.
The final amount depends on the vehicle type, condition and agreed terms. - Use of the vehicleContinued use
You continue using the car during the agreed period under a usage or lease arrangement
Monthly usage fee
Typically in the range of: AED 1,500 AED 2,500 per month (depending on the vehicle type and category)
Term
Usually 3 to 12 months, fixed in advance. - Completion through repurchaseRepurchase
At the end of the agreed term, the vehicle is repurchased at a pre-agreed price.
Indicative repurchase range AED 40,000 - AED 60,000
This step completes the structure and returns full ownership of the vehicle to you.
Who can apply
This option may be suitable if you:
-
own a car registered in the UAE - are the legal owner of the vehicle
- are exploring a short-term, asset-based solution