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Funded bank guarantees

Accelerate your business with bank guarantees

Free up valuable credit lines with fast and flexible guarantee solutions designed for growing businesses.

Bank Guarantees
Guarantee value
1,000,000
Cash margin* · 30%
300,000
Capital freed up · 70%
700,000
ADGM FSRA Category 4 Licensed
*Cash margin shown is indicative and may vary based on business profile, guarantee type, and issuing bank requirements.
The choice

Access bank guarantees without tying up cash flow

Secure the guarantees you need for tenders, contracts, and project deliveries while preserving liquidity and maintaining financial flexibility.

Others
Up to 100% cash margin locked
Manual paperwork & reviews
Crowds your bank limits
Lengthy approval process
Cash flow tied up
Zelo
As little as 30% cash margin
Fast, digital application
Parallel capacity, limits stay free
Approval in days, not weeks
Liquidity preserved for the project
Up to 100% cash margin locked
As little as 30% cash margin
Manual paperwork & reviews
Fast, digital application
Crowds your bank limits
Parallel capacity, limits stay free
Lengthy approval process
Approval in days, not weeks
Cash flow tied up
Liquidity preserved for the project
How it works

Private funded guarantees that unlock up to 70% of your guarantee

Zelo offers contractors private-funded bank guarantees, funding up to 70% of PG & APG so liquidity stays in your business.

1

Anchor informs the supplier to submit a request for a bank guarantee.

2

Supplier shares the project details and requirements with Zelo.

3

Zelo offers a co-participation cash margin solution to the supplier.

4

Upon acceptance, Zelo assists in arranging and issuing the bank guarantee through its partner bank.

5

Supplier submits the bank guarantee to the anchor and proceeds with project execution.

EPC contractor pipeline construction
Case in point

We helped an EPC contractor access working capital for a major oil and gas pipeline project

With a strong track record of delivering projects for leading oil and gas clients, the business was ready to pursue larger contracts and scale its operations. However, the requirement to provide a 100% cash margin for bank guarantees tied up valuable working capital, limiting its ability to take on new opportunities. The challenge wasn't demand or capability—it was access to liquidity.

Challenge
  • Fully utilized bank credit lines meant the firm could not access fresh financing.
  • 100% cash collateral froze funds that could fund project execution or bid participation.
Results
  • Re-entered competitive bidding for multiple high-value tenders, no longer constrained by liquidity.
  • Enabled scalable growth by preserving internal cash for execution, vendor payments, and expansion.
Bank guarantee financing

Unlock bigger business opportunities

We help you access bank guarantee facilities through a simple, transparent process, so you can secure contracts, build trust, and grow your business with confidence.

Fast Access
Get guarantees faster to seize opportunities.
Secure & Reliable
Built on a secure, transparent financing framework.
Flexible Tenure
Tenures that adapt to your project requirements.
Get started Trusted by growing businesses across the UAE.