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Debt Advisory UAE & GCC

Advisory support for structuring bank financing, asset-backed lending, and alternative debt facilities for growth and acquisition capital across the UAE and GCC.

Bank Financing Acquisition Debt Islamic Finance Fixed Fee
AED 10K+
Starting Fixed Fee
1.25x+
DSCR Banks Typically Require
3–4x
EBITDA Typical Max Leverage
CFA-Led
CFA-Led Delivery

Matching the right debt structure

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.

What We Structure

Debt Facilities We Structure

Growth & Working Capital Facilities

Overdrafts, revolving credit, and term loans structured for growth-stage and mid-market businesses across the UAE.

Acquisition Financing

Senior debt, mezzanine, and vendor financing structures to fund a buy-side mandate alongside equity capital.

Asset-Backed Lending

Facilities secured against receivables, inventory, plant, and property – structured to release capital tied up in the balance sheet.

Islamic Finance Structures

Murabaha, ijara, and other Sharia-compliant structures across the GCC where conventional debt is not the preferred route.

Alternative & Private Credit

Regional credit funds and private debt providers for situations outside conventional bank credit criteria.

Refinancing & Restructuring

Existing facility refinancing on improved terms, and covenant or debt restructuring support where circumstances have changed.

Our Process

How a Debt Advisory Engagement Runs

01
Facility Needs & Structuring Assessment
We assess the purpose, quantum, and appropriate structure – facility type, tenor, and security package – before approaching lenders.
02
Financial Model & Lender Materials
Institutional-quality financial model, business plan, and lender presentation with documented assumptions and repayment analysis.
03
Lender Selection & Outreach
We identify the banks and alternative lenders best matched to the facility type and sector, and coordinate approaches on your behalf.
04
Term Sheet Negotiation
We compare competing term sheets on pricing, covenants, and security, and negotiate on your behalf alongside your relationship banker.
05
Documentation & Drawdown Support
Support through facility documentation and conditions precedent to first drawdown.
Conventional vs Islamic

Conventional Debt vs Islamic Finance in the UAE

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 capitalOverdraft, revolving credit facilityMurabaha (cost-plus trade finance), Tawarruq
Asset purchaseTerm loan, hire purchaseIjara (lease-to-own), diminishing Musharaka
Project or expansionAmortising term facilityIstisna (construction), forward Ijara
Pricing basisEIBOR plus marginProfit rate, commercially benchmarked to the same curve
DocumentationFacility letter, security packageAsset-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.

Fees

Debt Advisory Fees – Fixed, Agreed Up Front

AED 15,000 – 40,000
for financial model, lender materials, and process management

Depending on facility size and complexity. Fixed fee, agreed in a signed engagement letter before work begins – no hourly billing.

Common questions

Do you work with UAE banks directly?
Yes – we prepare financing packages and coordinate directly with UAE commercial banks and alternative lenders.
Can debt advisory support an acquisition?
Yes – structuring acquisition financing is a core part of our buy-side support for corporate and PE clients.
What financial materials do lenders require?
An institutional-quality financial model, business plan, and lender presentation with documented assumptions, sensitivity analysis, and a clear repayment rationale.
Do you advise on Islamic finance structures?
Yes – murabaha, ijara, and other Sharia-compliant structures across the GCC where conventional debt is not the preferred route.
What is the cost or price of debt advisory?
Debt advisory fees — also called pricing — range from AED 15,000 to AED 40,000 depending on facility size and complexity. Fixed fee, agreed before work begins.
Do you provide debt fundraising advisory services in the UAE?
Yes. As a fundraising advisory firm, Corvian Advisory provides term loan and asset-backed lending advisory, Islamic finance structuring, and debt refinancing services for UAE businesses.
What debt capacity can my UAE business realistically raise?
UAE banks typically lend based on a multiple of EBITDA (commonly 2–4x for conventional term debt, higher with strong collateral or receivables), debt service coverage ratios, and existing leverage. We build a debt capacity model early in the engagement so the financing request is realistic before it reaches a lender's credit committee.
What is the difference between a term loan and asset-backed lending?
A term loan is sized against overall cash flow and repaid on a fixed schedule. Asset-backed lending (against receivables, inventory, or equipment) sizes the facility to the value of specific pledged assets, and can be available to businesses that would not otherwise qualify for a cash-flow-based term loan.
How long does a debt fundraising process take?
Typically 6–10 weeks from materials preparation to funds drawn: 2–3 weeks to prepare the financial model and lender presentation, 3–5 weeks of bank engagement and credit committee review, and 1–2 weeks for facility documentation.
Do you help refinance existing debt facilities?
Yes. We review existing facility terms against current market pricing and covenant standards, then run a competitive refinancing process across multiple lenders where switching or renegotiating materially improves pricing, tenor, or covenant flexibility.

Need debt financing structured? Let's talk.

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