01
GCC sovereign wealth funds
Gulf state capital for long-tenor assets of national or regional significance.
Lending & Financing
Capital sources.
We lend. Our partners refinance.
We lend directly, and refinance what we write through twelve classes of capital partner — so each facility ends up with the capital best placed to hold it.
- 12 partner classes
- RFG lends first
- Partners refinance
Lend, then refinanceFacility · Illustrative
- Borrower
- One credit case, one data room
- Lender
- RFG writes and funds it
- Refinancing
- Partners from 12 classes
- Take-out
- Priced across our partners
- Borrower
- Certainty of funds from day one
Illustrative only. Every facility is subject to due diligence, credit approval and documentation.
12 partner classesBanks to family offices
Competing termsAmong our partners
USD 2B+Total amount financed to date
100+Lending, arranging and advisory mandates
12Capital partner classes
10+ yrsCombined lending and corporate finance experience
Who we work with
Twelve classes of capital partner.
Each holds risk differently. We refinance each facility with the partners that fit it.
02
Commercial & regional banks
Senior term, revolving and working capital lines.
03
Private credit
Unitranche, stretch senior and holdco debt where banks are constrained.
04
Bank specialty finance desks
International banking partners’ structured desks for take-outs, distribution and cross-border lines.
05
European & Chinese sovereign funds
State-linked investment vehicles in Europe and China for long-dated, large-ticket exposure.
06
Pension funds
Long-dated money matched to contracted, indexed or availability-based cash flows.
07
Insurance companies
Liability-matched capital for stabilised facilities and long-tenor take-outs.
08
Benelux & DACH funds
Credit and infrastructure funds in the Benelux and DACH markets, in cross-border facilities.
09
Arab & regional funds
Arab investment and development funds for regional infrastructure, trade and growth.
10
Family offices
Flexible, relationship-led capital.
11
Private equity
Equity and structured capital alongside or behind the debt, for growth and acquisitions.
12
High-net-worth investors
Gulf HNIs co-investing alongside RFG, facility by facility, on agreed terms.
We lend, our partners refinance
The first holder is rarely the long-term one.
RFG writes and funds the facility first, so the borrower has certainty of funds. As it seasons, it is refinanced with the partner best suited to hold it, approached in parallel so terms compete.
“We lend. Our partners refinance.”
One credit case
Built once by RFG, to a standard sovereign and institutional partners recognise.
RFG commits first
The facility is written and funded by RFG, so the borrower is not waiting on a market process.
A considered shortlist
Only partners with the appetite, tenor and mandate to hold that facility.
Refinanced on market terms
Partners approached in parallel, so the take-out is priced against the market.
A single lender and the RFG model
General characteristics only. Every situation is different.
| Single lender | RFG: lend, then refinance | |
|---|---|---|
| Pricing | Set by one credit committee | Take-out tested across our partners |
| Structure | Fits that lender’s product | Fits the business |
| Certainty | One point of failure | RFG commits first; partners refinance |
| Long-term capital | One lender’s appetite | Sovereign, pension & insurance capital |
| Confidentiality | One party | Selective, under NDA |
How we go to market
From credit case to signed terms.
One point of contact, one version of the numbers, one timetable.
- 01
Assess
Whether RFG can write the facility, and which partners will refinance it.
You receive: A straight view within one business day
- 02
Prepare
Credit case, model and data room built to the standard our partners hold.
You receive: One pack, ready for credit
- 03
Commit
RFG takes the credit decision and writes the facility.
You receive: Indicative terms from RFG in writing
- 04
Close & refinance
Documented and drawn to one timetable, then refinanced through our partners as it seasons.
You receive: Certainty of funds from one counterparty
Why Royal Financial Group
Lender and arranger, on one side of the table.
Because we lend as well as arrange, we know how a credit committee reads a file.
We lend directly
Where a facility fits our mandate.
Twelve partner classes
Banks, funds, institutions and agencies.
Local and international
UAE, GCC and cross-border capital.
Partners compete
To refinance each facility RFG writes.
Confidential
Selective approaches, under NDA.
No false certainty
A clear yes, no or what it would take.
Our role, stated plainly. Royal Financial Group lends directly, and refinances, syndicates or participates its facilities through capital partners across the GCC, Europe and Asia. Every facility is subject to satisfactory due diligence, credit approval and formal documentation.
Frequently asked questions
Capital sources, answered.
Who provides the funding?
Royal Financial Group lends directly where a facility fits our mandate. As it seasons, we refinance it through one or more of twelve classes of capital partner, from sovereign wealth funds, pension funds and insurers to banks’ specialty finance desks, private equity, family offices and HNIs.
Why approach more than one lender?
Because terms differ. Pricing, tenor, covenants and security vary widely between lenders for the same credit. Competing terms show what the market will really offer.
Will my information be shared widely?
No. Lenders are approached selectively and under confidentiality. We agree the list with you before anyone sees the file.
Do you work with international lenders?
Yes. We work with capital partners in the UAE, the wider GCC and internationally, including in local currency and cross-border structures.
Does it cost more to go through you?
Our fees are agreed upfront and set out in writing. The aim is that the terms we secure more than cover them, and we tell you plainly if a direct approach would serve you better.