UAE Free Zone 5-Year Financial Projection Template 2026
A 5-year financial projection for your UAE free zone company helps with banking, investor relations, and business planning. Here is the 2026 template guide.
In this guide:
Why UAE Banks Want Financial Projections
- Account risk assessment: Banks use projections to assess expected transaction volume
- Transaction monitoring: Bank systems compare actual transactions to declared projections
- Creditworthiness: For overdrafts, credit facilities, or trade finance; projections are essential
5-Year Projection Template Structure
- Year 1: Expected revenue; operating costs; net profit (loss)
- Year 2: Growth scenario; assuming 30-50% revenue growth from Year 1
- Year 3-5: Further growth trajectory
Revenue Line Items (Typical for Service Company)
- Consulting retainer fees: Monthly fixed fees from anchor clients
- Project fees: One-off project income
- Licensing/royalty income: If applicable
- Other income: Any additional revenue streams
Operating Cost Line Items
- Free zone licence: AED 13,900-25,000/year
- Visa fees: AED 4,000-5,000 per visa
- Health insurance: AED 600-3,000 per person
- Office (flexi-desk): AED 5,000-8,000/year
- Accounting / bookkeeping: AED 3,000-10,000/year for basic bookkeeping
- Bank charges: AED 1,000-5,000/year
- Miscellaneous: Travel, software subscriptions, marketing
Conservative vs. Optimistic Scenarios
- Banks prefer conservative: Do not inflate projections to impress bank; inconsistency triggers red flags
- Explain assumptions: Document where numbers come from (signed contracts, pipeline, market data)