Table of Contents
Frequently Asked Questions
1 What is loans and overdues rescheduling in the UAE?
Loans and overdues rescheduling provides advisory services on debt restructuring, loan rescheduling, settlement negotiations with banks, and corporate or individual debt restructuring under UAE frameworks.
2 What UAE laws govern debt restructuring?
UAE Federal Decree-Law No. 9 of 2016 (Bankruptcy Law) governs corporate restructuring, and Federal Decree-Law No. 19 of 2019 (Insolvency Law) provides individual debt restructuring framework.
3 Who needs loan rescheduling advisory services?
UAE SMEs facing working capital stress, corporates needing debt restructuring, individuals managing personal loan or credit card debt, and clients requiring multi-bank facility consolidation or settlement negotiations.
4 Does loan rescheduling advisory require regulatory approval?
Loans and overdues rescheduling advisory under this activity code does not require third-party approval. Consultants provide advisory services without performing regulated debt collection or legal practice activities.
5 How does this differ from debt collection?
Loan rescheduling advisory supports debtors through restructuring negotiations and advisory work. Debt collection is a separate regulated activity recovering debts on behalf of creditors under different licensing.
How to Start a Loans and Overdues Rescheduling Services Business with Meydan Free Zone
UAE loans and overdues rescheduling services advise individuals and businesses navigating debt restructuring, loan rescheduling, settlement negotiations with banks, and corporate debt restructuring during financial stress periods.
With UAE banking sector assets exceeding USD 1 trillion per Central Bank of the UAE1 and active SME and corporate lending volumes, professional debt advisory and rescheduling support is in continuous demand.
UAE Federal Decree-Law No. 9 of 2016 (Bankruptcy Law) and Federal Decree-Law No. 19 of 2019 (Insolvency Law for individuals) provide formal frameworks for financial restructuring, supporting professional advisory services. Statista2 projects the UAE Financial Advisory market at USD 186.73 billion in 2025. A consultant in this activity provides loans and overdues rescheduling advisory services to UAE individual and corporate clients.
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When Repayment Schedules Need a Rewrite
UAE law has codified the path to debt restructuring, and a growing professional advisory layer now sits between borrowers, banks, and a workable next chapter.
Sources: Central Bank of the UAE (2025); Statista (2025)
Three dynamics define the UAE opportunity for loans and overdues rescheduling consultancies. First, the legal framework supports professional advisory. UAE Federal Decree-Law No. 9 of 2016 (Bankruptcy Law) and Federal Decree-Law No. 19 of 2019 (Insolvency Law) provide formal restructuring frameworks for corporates and individuals.
Central Bank of the UAE1 data shows banking assets exceeding USD 1 trillion, with sustained corporate, SME, and personal lending generating ongoing restructuring demand. Second, client mandates are varied, spanning individual debt restructuring, SME working capital rescheduling, corporate debt workouts, multi-bank facility consolidation, and creditor settlement negotiation.
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Third, positioning supports specialist niches like SME rescheduling, corporate restructuring, personal debt advisory, and insolvency framework support. With Statista2 projecting UAE Financial Advisory at USD 213.10 billion by 2030, operators combining banker networks, negotiation skill, and clear advisory positioning are well placed.
Whether you are advising UAE SMEs on working capital and term loan rescheduling, supporting corporates with restructuring advisory during stress periods, or guiding individuals through personal loan and credit card debt restructuring, this activity covers the loans and overdues rescheduling advisory layer.
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Who is this for?
• SME and corporate debt restructuring advisors: Consultancies advising UAE SMEs and corporates on working capital and term loan rescheduling, multi-bank facility consolidation, restructuring advisory during stress periods, and settlement negotiations with banks.
• Individual personal debt advisors: Consultancies supporting UAE individuals with personal loan, credit card, and mortgage debt restructuring, settlement negotiation with banks, and advisory through the UAE Insolvency Law framework.
• Specialist restructuring and insolvency advisors: Consultancies providing specialist debt restructuring and insolvency framework advisory under UAE Bankruptcy Law and Insolvency Law, supporting clients through preventative composition and restructuring procedures.
Meydan Free Zone offers 100% foreign ownership, zero corporate tax on qualifying income, and a fully digital licensing process, positioning loans and overdues rescheduling consultancies at the centre of a market where UAE Bankruptcy Law and Insolvency Law frameworks, sustained banking activity, and professional debt advisory demand generate steady consultancy mandates across individual and corporate clients.
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6619.92: Loans & Overdues Rescheduling Services
Under this activity, you are licensed to provide loans and overdues rescheduling advisory services (supporting UAE SMEs and corporates with loan rescheduling, advising individuals on personal debt restructuring, or guiding clients through bankruptcy and insolvency framework support).
However, this activity has defined boundaries. It excludes the activities of insurance agents and brokers (which falls under activities auxiliary to insurance and pension funding), and the management of investment funds (which falls under fund management activities).
In short: if you provide loans and overdues rescheduling advisory services to UAE SMEs, corporates, or individuals on debt restructuring and settlement negotiation, you are in.
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Licensing & Compliance
Third-Party Approval: No third-party approval is required for this business activity.
Anti-Money Laundering Compliance: This business activity is exempt from AML compliance requirements.
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Footnotes
¹ Central Bank of the UAE. Banking and Financial Statistics. Central Bank of the UAE, 2025.
² Statista. Financial Advisory - United Arab Emirates. Statista, 2025.
