Structuring and arranging bank financing, asset-backed lending, and alternative debt facilities for growth and acquisition capital across the UAE and GCC.
Whether financing growth, an acquisition, or working capital needs, we help structure the right mix of bank facilities, asset-backed lending, and alternative debt, and prepare the financial materials banks require for approval.
We manage the process end to end , from lender selection through term negotiation , working alongside your relationship banker rather than replacing that relationship.
Overdrafts, revolving credit, and term loans structured for growth-stage and mid-market businesses across the UAE.
Senior debt, mezzanine, and vendor financing structures to fund a buy-side mandate alongside equity capital.
Facilities secured against receivables, inventory, plant, and property , structured to release capital tied up in the balance sheet.
Murabaha, ijara, and other Sharia-compliant structures across the GCC where conventional debt is not the preferred route.
Regional credit funds and private debt providers for situations outside conventional bank credit criteria.
Existing facility refinancing on improved terms, and covenant or debt restructuring support where circumstances have changed.
Roughly a quarter of UAE banking assets are Sharia-compliant, and many mid-market borrowers can access both markets. The economics are often comparable; the structuring and documentation are not.
| Dimension | Conventional Facility | Islamic Structure |
|---|---|---|
| Working capital | Overdraft, revolving credit facility | Murabaha (cost-plus trade finance), Tawarruq |
| Asset purchase | Term loan, hire purchase | Ijara (lease-to-own), diminishing Musharaka |
| Project or expansion | Amortising term facility | Istisna (construction), forward Ijara |
| Pricing basis | EIBOR plus margin | Profit rate, commercially benchmarked to the same curve |
| Documentation | Facility letter, security package | Asset-linked contracts plus Sharia board approval |
We prepare one lender pack that works for both markets, and approach conventional and Islamic lenders in parallel where it strengthens competitive tension on pricing and covenants.
Depending on facility size and complexity. Fixed fee, agreed in a signed engagement letter before work begins – no hourly billing. Larger acquisition financing mandates may also carry a success fee, agreed upfront.