Refinance, Revolve or Repay—Which Button Saves You the Most Dirhams?
A working-capital line, an overdraft you’ve outgrown, and a three-year term loan—sound familiar? Knowing when to keep, switch, or clear each facility can add points to your net margin.
90-Second Decision Grid
| Cash Cushion | Interest-Rate Trend | Growth Pipeline | Best Move |
|---|---|---|---|
| Tight (< 1 month) | Rising | Full order book | Refinance into longer tenor to cut monthly outflow |
| Comfortable (1–3 mo) | Stable | Moderate | Revolve your line; redraw only when inventory lands |
| Surplus (> 3 mo) | Falling | Weak | Repay high-cost debt, keep standby limit open |
Action Steps
- Pull last quarter’s cash-flow statement.
- Mark today’s box on the grid.
- Execute the move within three weeks—rates change quickly.
UAE Bank Tip: Many lenders waive early-settlement fees if you refinance with them before year-end targets.
Keywords: refinance UAE, revolving credit, debt strategy, interest-rate decision, SME finance
Hashtags: #KlubAI #Refinance #DebtStrategy #CashManagement #UAEBusiness
This article is marketing material for educational purposes only. Figures are illustrative, not financial advice.
