The Firm
A Lender, and a House Built on Evidence
Royal Financial Group is a Dubai-headquartered lending and corporate finance house. Our work sits where the funding question and the business question meet. A facility is only as sound as the operation that services it, and a business plan is only as credible as the capital structure behind it.
- Dubai Headquartered
- Globally Mandated
- Owner-Led
- Direct Lender
Who we are
We lend. And our partners refinance what we write.
The discipline is the same on every mandate: prove it before you recommend it. We test the numbers, the market and the operating reality before we put a structure forward. Because we lend as well as arrange, a proposition is read the way a credit committee reads it, and taken to the providers who actually write that kind of paper.
Mission
To establish the truth of a business, then build the capital structure that fits it — and only then lend against it, or take it to the market.
Vision
To be the funding partner for businesses the market has priced without understanding. Capital is abundant. Judgement is not.
Five Commitments
Evidence before opinion · A straight answer, early · The structure follows the business · Confidentiality as standard · Alignment on outcome.
Why Royal Financial Group
One senior team from first conversation to drawdown, a credit decision from the party that runs the file, and twelve classes of capital behind it.
Our journey
Built deliberately, one capability at a time.
Founding
Founded in Dubai to fund and advise businesses and project sponsors on a case built from primary evidence.
Arranging & Structuring
Funding arranged and structured across banks, private credit and institutional capital, alongside valuation, due diligence and consultancy.
Direct Lending
RFG begins taking the credit decision and writing facilities directly, refinanced through its capital partners as they season.
Syndication & Co-lending
Clubs, syndicates and consortia assembled where a requirement exceeds a single provider, with RFG taking or placing the lead.
Special Situations & Growth
Rescue, refinancing and time-critical funding, and continued growth of the lending book, capital network and markets covered.
Why clients choose us
Six reasons borrowers come to Royal Financial Group.
Strategic Thinking
Every facility starts with the business, not the product — the structure follows the business, not the other way round.
We Lend
The credit view comes from the party that runs the transaction, so the file is tested to the standard of the party that has to be repaid.
Institutional Relationships
A refinancing line behind every facility, across sovereign wealth funds, pension funds, insurers, banks’ specialty finance desks, private equity, family offices and HNIs.
Transaction Expertise
Structuring, credit, documentation and closing managed end-to-end by the transaction lead who scoped the facility.
Confidential Process
The file is not circulated to reach a decision, and we sign an NDA before detailed information is shared.
Global Reach
Cross-border and multi-currency facilities from a Dubai headquarters, for UAE and international borrowers alike.
How we lend
Six steps, from first conversation until the money moves.
Diagnose
The company, what it needs, the amount involved and what sits behind it.
Funding Readiness
Commercial, financial, structure and execution proof from primary sources.
Structure
The facility designed around cash flow, security, tenor and currency.
Credit Decision & Approach
RFG writes the facility, or takes the case to the providers best suited to hold it.
Close
Terms, documentation and conditions precedent through to drawdown.
After Drawdown
Covenant monitoring, refinancing and new facilities as the business grows.
Sectors we lend to
Capital-intensive and asset-light, secured and unsecured.
A hard asset is not a requirement — asset-light businesses are funded on cash flow, contracts and counterparty strength.
Governance & compliance
How we keep lending and advice clean.
Conflict Checks
Every mandate is checked against current and recent engagements. Where a conflict exists, it is disclosed in writing or the mandate is declined.
AML Compliance
Anti-money-laundering and counter-terrorist-financing procedures consistent with UAE regulatory expectations, applied to every facility.
KYC Procedures
Identity, ownership and source-of-funds verification carried out before a facility progresses.
Confidentiality Framework
Information held under confidentiality undertakings, shared only with named parties, and returned or destroyed at close on request.
Credit Discipline
Downside cases and key sensitivities are tested and written into the credit paper, and debt is sized to the low case.
Documented Methodology
Assumptions, sources and dates stated in every deliverable, so a third party can retrace how a conclusion was reached.
Institutional Coordination
Co-lenders, syndicate partners, investors, and legal and tax advisers coordinated so the borrower runs a single process.
Written Terms
Scope, timeline, responsibilities and fees agreed in writing before any work begins.
Capital behind the facility
We lend, and a global network of capital stands behind us.
RFG writes facilities directly. Behind every facility sits a refinancing line across twelve classes of capital partner — so every facility RFG writes has a long-term holder lined up behind it.
- Sovereign wealth funds in the GCC, China & Europe
- Pension funds & insurance companies
- International banks’ specialty finance desks
- Private equity & private credit
- Benelux & DACH and Arab regional funds
- Family offices & high-net-worth investors
Leadership principles
The standard every facility is held to.
Integrity
The answer given is the one we believe in, including when the answer is no, regardless of which outcome is easiest to arrange.
Accountability
The transaction lead who scopes a facility runs it through to drawdown, and stands behind the work along the way.
Transparency
Assumptions, sources, pricing and fees are stated plainly, in writing, before work begins.
Professional Excellence
Senior team only, applying documented methodology to every deliverable regardless of facility size.
Client Focus
The case is built around the client’s business and timeline, not a standard product.
Long-Term Relationships
The relationship continues after drawdown, with refinancing and new facilities as the business grows.
Thought leadership
Insights from the credit desk.
Capabilities
Lending, corporate finance and consultancy, in one place.
Royal Financial Group’s Dubai-based team lends, arranges funding and advises the businesses, investors and project sponsors behind it, in the UAE and internationally.
- Direct lending — bridge, working capital, asset-backed, mezzanine and growth facilities written by RFG, secured and unsecured.
- Funding arrangement — senior, mezzanine and bridge facilities written directly by RFG and refinanced through twelve classes of capital partner.
- Syndication & consortium funding — clubs and syndicates where a requirement exceeds a single provider.
- Project & structured finance — non-recourse and limited-recourse structuring for infrastructure and large-scale developments.
- M&A & valuation — buy-side and sell-side execution, with acquisition finance arranged alongside.
- Consultancy — strategy, operating model and performance advice behind the financial case.
Frequently asked
Questions about the firm.
Both. Royal Financial Group is a lender first: we write facilities directly, and refinance them through capital partners across the GCC, Europe and Asia. Because we lend as well as arrange, every proposition is tested to the standard of the party that has to be repaid.
The firm is headquartered in Dubai, United Arab Emirates, at the Al Fattan Business Hub, Level 10, Marsa Dubai, and lends and arranges funding across the UAE, the wider Middle East and internationally.
Yes. A significant share of facilities involve counterparties, lenders or jurisdictions outside the UAE. We write cross-border and multi-currency facilities, and the Dubai headquarters gives direct access to Gulf capital.
Yes. Confidentiality is standard: client information stays inside the mandate, is shared only with named parties to the transaction, and we sign an NDA before receiving any data room material.
A bank reads a file against a scorecard. RFG lends as well as arranges, so a proposition is read the way a credit committee reads it, and taken to the providers who actually write that kind of paper. You deal with one counterparty whichever route the money takes.
