Lend
We take the credit decision and write the facility ourselves — bridge, working capital, asset-backed, mezzanine and special situations.
Lending & Financing
We lend, arrange, structure, syndicate and refinance.
One counterparty, whichever route the money takes.
RFG takes the credit decision, writes the facility and runs the transaction through to drawdown — and refinances it through capital partners across the GCC, Europe and Asia.
- Direct lender
- Secured & unsecured
- One counterparty
FacilityTerm sheet · Illustrative
- Lender
- Royal Financial Group
- Route
- Written, syndicated or refinanced
- Structure
- Senior, mezzanine, bridge or unitranche
- Security
- Secured or unsecured
- Answer
- Within one business day
Subject to due diligence, credit approval and formal documentation.
Secured & unsecuredCollateral is not a precondition
One business dayTo a first answer
USD 2B+Total amount financed to date
100+Lending, arranging and advisory mandates
12Capital partner classes
10+ yrsCombined lending and corporate finance experience
What we do with capital
Five things we do with capital, and the advice behind them.
We lend, we commit, and our partners refinance.
Arrange
As a facility seasons, we place it with the capital partner best suited to hold it, on competing terms.
Structure
Senior, mezzanine, unitranche or project debt, layered around cash flow and the security actually available.
Syndicate
Club deals, syndicated and co-lending facilities, with RFG taking or placing the lead. How we syndicate.
Refinance
Maturity walls, bridge take-outs and over-leverage, refinanced into longer-dated institutional capital.
Advise
Valuation, diligence, feasibility and M&A — the analysis that makes a facility bankable.
Three routes, one counterparty
Where we write it, share it or refinance it.
The route is chosen for the business, not for us. You deal with one team and one timetable whichever route the money takes.
“Collateral helps. It is not a precondition.”
Written directly
Where the facility fits our mandate, RFG takes the credit decision, writes the facility and runs it through to drawdown. See direct lending.
Co-lent or syndicated
Where the size or shape calls for more capital, the facility is shared through a club deal or a syndicated facility, with RFG taking or placing the lead.
Refinanced
Where a bridge or short-dated facility has done its job, it is refinanced into longer-dated institutional capital before the maturity becomes the problem.
Refinanced by the right partner
Each facility is refinanced with the capital partner best suited to hold it, approached in parallel so terms compete.
Secured and unsecured at a glance
General characteristics only. Every facility is different.
| Secured | Unsecured | |
|---|---|---|
| What it rests on | Property, equipment, receivables, inventory or shares | Cash flow, contracts and counterparty strength |
| Typical borrowers | Real estate, industrial, energy and trading businesses | Asset-light, technology, e-commerce and services businesses |
| Typical structures | Senior, asset-backed, project and trade finance | Working capital, revenue-based and venture debt |
| What we need to see | Security that is real and enforceable | Recurring revenue and a trading record |
How we lend
From first call to drawdown.
Four stages. One point of contact, one version of the numbers, one timetable.
- 01
Diagnose
What the money is for, how much, by when, and what sits behind it.
You receive: A straight answer within one business day
- 02
Structure
The facility designed around cash flow, enforceable security and the currency the business earns in.
You receive: Indicative terms in writing
- 03
Approach
A credit decision and a facility written by RFG; co-lenders brought in where we syndicate, and partners lined up to refinance.
You receive: A facility letter, or competing term sheets
- 04
Close
Documentation, conditions precedent and closing on one timetable. We stay engaged until the money moves.
You receive: Drawdown
Why Royal Financial Group
One counterparty, whichever route the money takes.
A Dubai-headquartered lending and corporate finance house.
We take the credit decision
The file is tested to the standard of the party that has to be repaid.
Twelve structures
From senior and bridge to venture debt and refinancing take-outs. See them all.
Twelve capital partner classes
Sovereign wealth funds, pension funds, insurers, banks’ specialty desks, private equity, family offices and HNIs.
A straight answer
If it is not a file we can act on, we tell you why.
Confidential from first contact
NDA available before any detailed information is shared.
International reach
Cross-border and multi-currency facilities across six regions.
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
Lending, answered.
Does Royal Financial Group lend directly?
Yes. RFG takes the credit decision and writes facilities directly, and refinances them through capital partners across the GCC, Europe and Asia, syndicating where a transaction needs more depth.
Do you need collateral?
No. We lend and arrange both secured and unsecured. Collateral helps, but it is not a precondition. Asset-light businesses are funded on cash flow, contracts and counterparty strength.
What is the difference between lending and arranging?
When we lend, RFG writes the facility. When we refinance, we place the facility with the capital partners best suited to hold it. Either way you deal with one counterparty and one timetable.
What happens if the facility is too large for one lender?
We share it. The facility is co-lent or syndicated, with RFG taking or placing the lead, through a club deal or a syndicated facility.
What do you need to give me an answer?
The company, what it needs, the amount involved and what sits behind it: recent accounts, the purpose of funds, trading history and the security available, if any.
How quickly will I get an answer?
Our lending team replies within one business day, and gives an indicative position in days rather than committee cycles. Every facility remains subject to due diligence, credit approval and documentation.