We help UAE businesses raise bank debt, Islamic finance, and structured credit facilities — preparing the debt capacity models and lender information packages that UAE bank credit committees approve. CFA-led. Fixed fee from AED 10,000.
The right debt structure depends on the purpose, the business's asset base, and whether Shariah-compliance is required. We advise on all major debt structures available to UAE businesses from UAE banks and international lenders.
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Term Loans
Fixed-term bank lending for capital expenditure, acquisition financing, or business growth. UAE bank term loans typically run 3–7 years with full amortisation. We prepare the debt capacity model, DSCR analysis, and lender information package that credit committees require.
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Revolving Credit Facilities
Flexible working capital facilities for UAE businesses with seasonal or cyclical cash flow. We structure the facility size, covenant framework, and repayment terms, and prepare the bank submission package.
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Islamic Finance
Shariah-compliant financing structures for UAE businesses — Murabaha (cost-plus sale), Ijara (lease financing), and Musharaka (partnership financing). All major UAE banks offer Islamic products; we advise on structure and prepare the bank submission.
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Project Finance
Structured lending for real estate, infrastructure, manufacturing, and energy projects in the UAE. Project finance is non-recourse or limited-recourse — the debt is serviced from project cash flows. We build the project financial model and prepare the information memorandum.
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Acquisition Financing
Leveraged financing for UAE M&A — structuring the senior debt component of an acquisition alongside equity from the buyer. We model debt capacity, DSCR, and covenant headroom, and prepare the bank submission package for credit committee approval.
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Debt Refinancing
Refinancing existing bank debt at improved terms — lower margins, extended tenure, or improved covenant structures. We benchmark the current facility against market terms, prepare the refinancing business case, and manage the bank process.
What We Prepare
What UAE Banks Need to Say Yes
UAE bank credit committees approve lending based on the quality of the financial model and the clarity of the repayment plan. A weak submission leads to delays, additional information requests, or rejection. We prepare the package that gets approved.
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Debt Capacity Model
Integrated financial model showing historical and projected EBITDA, free cash flow, debt service (principal and profit/interest), and debt service coverage ratio (DSCR) — the primary metric UAE bank credit committees assess. Includes sensitivity analysis on revenue, margin, and interest rate scenarios.
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Lender Information Package
A bank-ready document — company overview, management team, market position, historical financials with EBITDA analysis, financial projections, loan purpose and use of proceeds, proposed loan structure, and collateral summary. Structured in the format UAE bank credit teams expect.
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EBITDA Normalisation
Restatement of reported EBITDA to reflect recurring, normalised earnings — removing one-off items, owner add-backs, and non-recurring costs. Normalised EBITDA is what banks use to assess lending capacity. We prepare and document the adjustments clearly.
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Bank Process Management
Lender identification and outreach, submission coordination, credit committee Q&A support, term sheet review, and covenant negotiation. Full process management so management can stay focused on the business while the bank process runs in parallel.
Frequently Asked Questions
Debt Fundraising FAQs
What is debt fundraising advisory and when do UAE businesses need it?+
Debt fundraising advisory helps UAE businesses access bank lending or Islamic finance — preparing the financial models and information packages that bank credit committees require, identifying the right lenders, and managing the lending process. UAE businesses typically need it when raising acquisition financing, seeking growth capital via term loans, refinancing existing debt at better terms, or structuring project finance for real estate, infrastructure, or energy projects.
What documents do UAE banks require for a business loan?+
UAE banks typically require: financial statements for the last 2–3 years (audited); a financial model showing debt capacity and projected DSCR; a business plan or information memorandum explaining the loan purpose; collateral documentation; management accounts and bank statements (last 6–12 months); and corporate documents (trade licence, MOA, shareholder information, UBO declaration). Banks assess lending based on the quality of the financial model and the clarity of the repayment plan.
What is Islamic finance and how does it work in UAE debt fundraising?+
Islamic finance refers to Shariah-compliant financial products that avoid interest (riba). In the UAE, the main structures used for business lending are: Murabaha (cost-plus financing — the bank buys an asset and sells it to the company at a marked-up price payable in instalments); Ijara (lease financing — the bank buys an asset and leases it to the company); and Musharaka (partnership financing — bank and company co-invest and share profits). All major UAE banks offer Shariah-compliant products. We advise on the appropriate structure for the financing purpose.
How much can a UAE business borrow relative to EBITDA?+
UAE banks typically lend up to 3–4x EBITDA for established mid-market businesses with stable cash flows, strong collateral, and a clear repayment plan. Leverage multiples vary by sector, collateral quality, and the bank's current credit appetite. Debt service coverage ratio (DSCR) is typically the primary constraint — banks want DSCR of at least 1.25x–1.50x on base-case projections. We model debt capacity and DSCR before approaching lenders so the company presents with a credible, structured proposal.
How much does debt fundraising advisory cost in the UAE?+
Debt fundraising advisory at Corvian Advisory ranges from AED 10,000 for preparation-only engagements (debt capacity model and lender information package) to AED 40,000 for full process management including lender identification, submission preparation, credit committee support, and term negotiation. All fees are fixed and agreed before work begins.
CFA-led debt fundraising advisory for UAE businesses. Debt capacity models, lender information packages, and full bank process management. Fixed fee from AED 10,000.