Our Services

We look for a fully leased commercial or residential building that meets the bank's financing requirements and generates a suitable annual return relative to the property's value.

Profits are distributed under one of two models:

• Model 1: property management by the client.
• Model 2: property management by the bank.

We review the building, prepare a complete file and present it to the partner banks most likely to accept it.

The property is registered in the client's name from the start of the transaction, with a mortgage in favour of the bank as collateral until all obligations are met and the debt is fully repaid.

Once the final payment is made, the bank issues a clearance letter and the mortgage is released at the land department, leaving the title deed free of any charge.

• Ownership in your name from day one
• The bank's right is limited to the registered mortgage
• A clear release process when the financing is settled

Obligations are repaid from the property's income and rental revenue, so the asset supports its own financing.

Initial property requirements:

1. The property is fully leased.
2. The property is relatively new, preferably no more than 7–8 years old, according to the bank's requirements.
3. The initial annual rental income is between 8% and 10% of the property's value, subject to verification of the actual net return.

We review these points with you before any application is submitted.

First: corporate financing for company operations. Funding to support the company's activity, such as working capital, supplier payments and planned growth, based on its financial statements and cash flow.

Second: commercial real-estate financing with a company guarantee. The company buys an income-generating commercial property whose income covers some or all of the repayments. The financing is directed towards a long-term income-generating asset instead of cash liquidity.

Financing to buy a studio, apartment or villa, with repayment periods of up to 25 years depending on the bank's terms and your age.

Instalments are set according to your monthly income and the bank's criteria. A down payment is required under UAE Central Bank limits: for a first home up to AED 5 million, banks can finance up to 80% of the value for expatriates and 85% for UAE nationals.

We compare offers from several banks and guide you from pre-approval to the title deed.

Choose the car, get a quotation from the dealer and we submit it to the bank on your behalf.

• A typical down payment of 20–25% of the car's value.
• Repayment of up to 60 months under Central Bank rules.
• The car is mortgaged to the bank, so it cannot be sold or transferred until the financing is settled.

We can also compare car financing with personal financing in terms of total cost and your freedom to dispose of the car.

Personal financing for individuals at competitive rates, covering needs such as education, home furnishing and renovation, medical costs, family occasions and other personal expenses.

• Amounts from AED 10,000 to AED 500,000, subject to bank limits.
• Up to 20 times your monthly salary and up to 48 months, under Central Bank rules.
• Offers compared across several banks, conventional and Islamic.

We review your eligibility first, so you apply only where your chances are realistic.

Integrated financing support for start-ups, small and medium enterprises and large companies, covering working capital, expansion and new projects.

• Financing from around AED 100,000 up to AED 10 million, subject to bank approval.
• Feasibility studies that strengthen the financing request.
• Repayment plans aligned with the company's cash flow.
• A range of flexible guarantee and security options.

We prepare a bank-ready file and present it to the lenders best suited to your sector and size.

We help companies obtain the banking and credit facilities they need from local and international banks, with full follow-up of the procedures.

• International documentary letters of credit.
• Letters of guarantee of all types.
• Revolving cash and credit facilities.
• Multi-currency business accounts.

Every facility is tailored to the client's needs, and we prepare the file and stay with you until the facility is active.

Integrated debt restructuring solutions to ease the financial burden and improve cash flow, including negotiation with creditor institutions.

• Debt buyout by another bank on better terms.
• Consolidating several loans and cards into one instalment.
• Negotiating repayment periods and rates within bank policy.

We start with a full picture of your commitments and credit record, then present realistic options, with their total cost, before anything is signed.

Banking brokerage: we act between you and financial institutions to find the best available financing offers, at the lowest cost and on the best terms your profile allows.

• Comparison of financing offers.
• Negotiation of terms.
• Follow-up of procedures.

Brokerage fee from 1% of the financing amount, agreed in writing before work starts.

Financial consulting: analysis of your current financial position, assessment of opportunities, strategic financial planning and financial risk management.

Your contract is your security. We provide reliable support to notarise contracts and attest documents, so they carry full legal weight.

• Contract notarisation: employment, partnership, sale and lease contracts with the competent authorities.
• Document attestation: through the UAE Ministry of Foreign Affairs, embassies and consulates.
• Certified translation: by licensed legal translators.
• Legal consultations: in banking, financing and contracts.

We follow every step personally until delivery.