Corporates
Established companies borrowing, refinancing or funding an acquisition, with one team covering the facility and the numbers behind it.
Capabilities · Lending First
Lending, funding arrangement and corporate finance, engineered for the capital table.
Royal Financial Group is a Dubai-headquartered lending and corporate finance house. Nine capabilities across funding and advisory: we write facilities directly and refinance them through our capital partners, and structure and syndicate funding, alongside M&A, valuation, due diligence, feasibility, risk and consultancy.
- Direct Lending
- Secured & Unsecured
- One Counterparty to Drawdown
100+
Mandates
$2B+
Total Amount Financed to Date
12
Capital Partner Classes
Lending and advisory built around who is sitting across the table.
Every facility is shaped by who holds the risk. We lend to, arrange funding for and advise six client types, secured and unsecured.
SMEs
Growing businesses that need a facility structured around their stage, sector and cash flow, secured or unsecured.
Investors
Private equity, credit funds and individual investors who need acquisition finance, due diligence, valuation and deal structuring before capital moves.
Family Offices
Direct and co-investment mandates, co-lending, valuation support and governance advisory for family offices across the UAE and the wider region.
Developers
Bridge, development and project facilities for real estate and infrastructure developers, from land acquisition through to delivery.
Financial Institutions
Co-lenders, participants in our syndicates, and lenders seeking independent credit review, valuation and technical due diligence.
Lending, funding and capital advisory, from first term sheet to drawdown.
RFG takes the credit decision, writes the facility and refinances it through our capital partners, alongside M&A and business valuation.
Direct Lending & Funding Arrangement
Writing facilities and arranging senior, mezzanine, bridge, project, acquisition, asset-backed and trade structures across the international market.
Facilities are written directly by RFG and refinanced through twelve classes of capital partner as they season, so the borrower has certainty of funds from day one. More about direct lending.
Syndication & Consortium Funding
Assembling clubs, syndicates and consortia where a requirement exceeds a single provider, and holding the group together to signing.
Club deals, syndicated facilities (best-efforts or underwritten) and consortium co-lending. RFG acts as arranger and mandated lead arranger, facility and security agent, lead participant or co-lender. The borrower sees one counterparty, one information pack and one negotiation. More about syndication.
Debt Restructuring & Refinancing
Rescheduling and refinancing existing facilities: rebuilding the case, running the lender conversation and closing the amendment.
Maturity walls, bridge take-outs, covenant breaches and over-leverage. We refinance, take out existing debt and lead the lender negotiation on standstills, waivers and amended facilities. Liquidity is not solvency. More about refinancing.
Mergers, Acquisitions & Brokerage
Arranging the purchase or sale of a business: buyer and seller search, deal structure and negotiation strategy.
Sell-side and buy-side mandates, shareholder transactions, carve-outs and funded offers, with acquisition finance arranged alongside. A price agreed without committed funding behind it is not a transaction. It is an intention.
Business Valuation
What a company, shareholding or business unit is actually worth, on a basis that withstands scrutiny.
DCF, market and asset approaches for a transaction, a lender or a shareholder, sourced and documented to withstand scrutiny from a board, auditor or counterparty. Read why two valuations of the same company disagree.
Structured & Bespoke Finance
Twelve structures, from unitranche and holdco debt to revenue-based and venture debt, for transactions where a template facility doesn’t fit.
Senior, mezzanine and subordinated, unitranche and stretch senior, bridge, project, acquisition, asset-backed, trade and receivables, working capital and revolving, holdco and PIK, revenue-based and venture debt, and refinancing take-outs. See all twelve structures.
Special Situations Funding
Complexity does not make a company unfundable. Rescue and new money, time-critical and cross-border funding.
Super-senior and priming new money, debt purchase, standstill, waiver and forbearance, asset-light and time-critical facilities, worked with no false certainty about the outcome. More about special situations.
Where Capital Comes From
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 in the GCC, Europe or Asia.
Commercial & Regional Banks
Sovereign Wealth Funds
Private Credit
Pension & Insurance
Family Offices
Bank Specialty Desks
Export Credit Agencies
Specialty Finance
Private Equity
Special Situations Funds
Plus Benelux & DACH funds, Arab funds, family offices and HNIs · twelve classes in all · see the capital sources
Written directly, or co-lent and syndicated
Confidentiality from first contact
One counterparty, whichever route the money takes
Practice 02 · Advisory & Research
The analysis that makes a facility bankable.
Due diligence, feasibility, risk and market research on primary evidence: sourced, dated and defensible enough to survive a credit committee, including our own.
- 100+
- Mandates
- 10+
- Years’ Experience
Due Diligence & Credit Review
Financial, commercial and operational diligence on targets, partners and counterparties, with red flags reported against their valuation impact. Read: red flags that survive a clean audit.
Feasibility Studies
Whether the project works, commercially, operationally and financially, before capital is committed, under base, downside and stress cases. Read: the five assumptions that sink a hospitality study.
Risk Management & Cost Control
Identifying, quantifying and pricing the risks in a transaction, project or portfolio, with cost control frameworks that keep it inside budget. Read: building a risk register a board will use.
Market Studies & Research
Demand, pricing and competitor studies on primary evidence, and the strategy and operating-model work behind them.
Economic Advisory
The demand, inflation, rate and currency assumptions sitting underneath a financial model, tested rather than inherited.
Technical Studies
Commercial-technical review of a project or asset — specification, delivery method and cost benchmarking, coordinated with licensed engineers where needed.
Scope
Define the question and the evidence needed to answer it
Fieldwork
Interviews, data rooms and site visits
Analysis
Testing assumptions against source data
Report
Findings delivered with sources and dates stated
Lending and corporate finance, at work across the UAE.
The funding work and the advisory work are not separate businesses here. The analysis that makes a facility bankable is the same analysis that improves the operation behind it.
Making the business deliver what the facility assumed.
Strategy, governance, performance and control, built for execution rather than a slide deck. Taken standalone, alongside a facility, or afterwards. Scoped and priced for the work actually required, not bundled.
Management Consultancy
Strategy, organisation, planning, performance and control — diagnostic reviews, management information and organisational design.
Strategy Advisory
Where the next unit of growth comes from, what it costs to get there, and which options to rule out first.
Performance & Cost Control
Cost accounting programmes, budgetary control procedures and the KPI set a board can run the business against.
Project Management
Workstreams, milestones, dependencies and escalation, including PMO support on transactions and post-deal integration.
Governance Review
AML and CFT frameworks, delegation of authority and board structures — and testing a counterparty or file before you rely on it.
Tax & Regulatory Advisory
Corporate tax and VAT position, structuring implications and regulatory obligations, with formal FTA representation handled alongside a registered tax agent.
A disciplined process, until the money moves.
Every facility and mandate runs through the same six stages, led by one senior transaction lead.
STEP 01
Diagnose
The company, what it needs, the amount involved and what sits behind it.
STEP 02
Analysis
Financial, commercial and operational review from primary sources.
STEP 03
Structure
Designing the facility around cash flow, security, tenor and currency.
STEP 04
Approach
RFG takes the credit decision, or takes the case to the providers best suited to hold it.
STEP 05
Close
Documentation, conditions precedent and closing through to drawdown.
STEP 06
Monitoring
Tracking performance and covenants, and refinancing early if the structure no longer fits.
Six reasons borrowers bring us the facility before anyone else.
We Lend
We have no single house product, so the structure follows the business. Facilities are written directly, or placed with the provider best suited to hold them.
Dubai Headquarters
Based in Dubai with on-the-ground relationships across the UAE's banking and investor community, and mandates worldwide.
Secured & Unsecured
Capital-intensive and asset-light businesses alike, funded on security or on cash flow, contracts and counterparty strength.
Global Capital Relationships
Our own lending plus live relationships across sovereign wealth funds, pension funds, insurers, banks’ specialty finance desks, private equity, family offices and HNIs.
Confidential Engagements
Confidentiality applies from first contact, and the file is not circulated to reach a decision. We sign an NDA before any data room access.
Senior-Level Execution
The transaction lead who scopes the facility is the person who runs it through to drawdown.
What lands on your desk at the end.
From a term sheet to a board memorandum, every engagement ends in a document you can act on, with sources, dates and assumptions stated in full.
Term Sheets & Facilities
Feasibility Studies
Financial Models
Information Memorandums
Due Diligence Reports
Credit Papers
Valuation Reports
Board Memorandums
Standalone or combined: engagements are scoped and priced for the work actually required, not bundled. Terms are agreed in writing before work starts, confidentiality applies from first contact, and we sign an NDA before receiving data room material.
Insights from the credit desk.
Lending
What makes a funding file move quickly
What a credit committee needs to see, and in what order, to move a request from inbox to term sheet.
Read the insight
Refinancing
Refinancing before you have to
The window where a rescheduling conversation is still a commercial negotiation rather than a workout.
Read the insight
Valuation
Why two valuations of the same company disagree
Method, comparable set, normalisation and the control premium: where the gap between two credible valuations comes from.
Read the insightCommon questions about our lending and advisory.
Does Royal Financial Group lend directly?
Yes. We take the credit decision and write facilities ourselves: bridge, working capital, asset-backed, mezzanine and growth facilities. Facilities RFG writes are refinanced, syndicated or participated through sovereign wealth funds, pension funds, insurers, banks’ specialty finance desks, private equity, family offices and HNIs.
Do I need collateral to borrow from RFG?
No. Collateral helps, but it is not a precondition. Where there is none, the case is built on cash flow, contracts and counterparty strength. Every facility is subject to due diligence, credit approval and documentation.
What are RFG’s nine capabilities?
Direct lending and funding arrangement; syndication and consortium funding; debt restructuring and refinancing; mergers, acquisitions and brokerage; business valuation; due diligence and credit review; feasibility studies; risk management and cost control; and market studies, research and consultancy.
How does debt restructuring work?
We rebuild the cash-flow case supporting revised terms, run the lender conversation on maturities, covenants and security, and close the amendment, or refinance and take out the existing debt where that is the better route.
What is a business valuation?
A business valuation establishes what a company, shareholding or business unit is actually worth, built on discounted cash flow, market comparable and asset-based approaches, on a basis that withstands scrutiny.
What is structured finance?
Structured finance covers bespoke financing arrangements, including layered debt, mezzanine and project finance, built for transactions that don’t fit a standard loan, with a tailored security and repayment structure.
What industries do you serve?
Capital-intensive and asset-light sectors alike, including energy, infrastructure, real estate, hospitality, healthcare, technology and e-commerce, trade and financial services, funded secured and unsecured.
How quickly will I get an answer?
An indicative position in days rather than committee cycles. A straightforward facility can close in weeks once diligence is complete, while syndicated, structured or M&A mandates typically run several months.
How do I engage Royal Financial Group?
Send us the company, what it needs, the amount involved and what sits behind it. Our lending team will come back within one business day, and terms are agreed in writing before work starts.