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

1. Pull last quarter’s cash-flow statement.
2. Mark today’s box on the grid.
3. 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.