NBF lends mostly to traders. Six to twelve months of statements showing LC activity, trade finance volume, and stable turnover — extracted cleanly.
Convert your statementNational Bank of Fujairah does not focus on standard personal loans. Its core lending is working capital, trade finance, and letter of credit facilities for SMEs. Personal loan applicants are typically referred to partner retail banks. If you are applying at NBF, you are applying for a business facility.
Underwriting needs six to twelve months of business account statements. The signals NBF reads: monthly account turnover, trade finance utilisation, LC volumes, supplier and buyer concentration, and the relationship between revenue credits and trade finance drawdowns.
Trade finance is cyclical. The underwriter wants to see drawdowns matching shipping cycles and settlements matching customer payments. A clean working capital cycle — supplier paid, goods shipped, customer collects, LC settles — is the positive pattern. Drawdowns without matching settlements are a yellow flag.
The converted Excel lets you trace each LC reference across multiple months. The underwriter does the same trace; getting there before them lets you flag anomalies in the cover letter rather than answering them under pressure.
Twelve months of NBF SME statements is typically 200-1000 rows depending on trade activity. The credit officer scans for the patterns below.
Bilingual Arabic-English PDF. AED denominated. Dates DD/MM/YYYY. Columns: date, description, debit, credit, running balance. Trade finance and letter of credit entries clearly labelled with reference numbers. Customer name, IBAN, account type, and statement period in header. Running AED balance updated after each transaction.
| Label | Meaning |
|---|---|
| LC SETTLEMENT | Letter of credit settlement debit/credit |
| TRADE FINANCE | Trade finance facility drawdown or repayment |
| SALARY TRANSFER | WPS salary credit from employer |
| ATM WITHDRAWAL | Cash withdrawal from ATM |
| POS PURCHASE | Card payment at merchant |
UAE personal loan applications require 3–6 months; Central Bank capped debt-burden ratio at 50% of salary, so lenders calculate total monthly obligations from the statement.
Pull twelve months of NBF statements
From NBF Mobile, download each statement month for the last twelve. Save all PDFs.
Upload and merge
Drop all PDFs into Kashfbank. We extract each and merge into a single chronological spreadsheet.
Tag trade finance and reconcile to LCs
Mark LC SETTLEMENT, TRADE FINANCE, IMPORT FINANCE rows. Match each LC reference across debit and credit pairs to confirm the cycle closed.
Export and submit
Download the CSV. Submit alongside the original PDFs to the NBF SME credit desk.
Common challenges
Does NBF do personal loans?
Not in volume. NBF refers retail personal loan applicants to partner banks. If you want a personal loan, a retail-first bank (RAKBANK, ADCB, FAB) is the right choice. NBF is for working capital, LC, and trade finance facilities.
How many months of statements does NBF want for a working capital line?
Twelve months is standard. Six months may be accepted for renewals on an existing facility. The longer history shows trade cycle stability rather than just a snapshot.
Will trade finance utilisation history hurt my application?
No — usually the opposite. Active LC usage with clean settlements signals an established trade business and existing banking discipline. Drawdowns without settlements are the warning signal, not the drawdowns themselves.
Can I use my NBF statement as supplementary income evidence at another bank?
Yes. Many NBF clients hold a personal mortgage at a retail bank and provide the NBF business statement as supplementary income proof. The retail bank reads salary/owner drawings from the NBF descriptor.
Freelancers
Extract, categorize, and export freelance income and expenses from PDF bank statements — ready for 1099, self-assessment, or ZATCA filings.
Tax Preparation
Convert PDF bank statements to clean spreadsheets for Zakat, VAT, corporate tax, and self-assessment filings across GCC and international markets.
Mortgage Applications
Prepare 6–12 months of verified, structured bank statement data for mortgage underwriting — covering down payment seasoning, income stability, and GCC real estate requirements.
Upload PDF, get Excel in seconds
Try it free10 free credits on signup
Regulator: Central Bank of the UAE (CBUAE)
Fiscal year: Jan 1 – Dec 31 (Gregorian)
Full country guide →Statement language: English