01
Senior debt
First-ranking debt at the lowest cost of capital, where the cash flow supports it.
Lending & Financing
Structures we write.
Twelve structures. One facility built around the business.
From senior and bridge to venture debt and refinancing take-outs, written directly by RFG and refinanced or syndicated through our capital partners. Secured and unsecured.
- 12 structures
- Secured & unsecured
- Layered where needed
Capital stackTerm sheet · Illustrative
- Senior
- First-ranking, lowest cost
- Mezzanine
- Stretches leverage
- Holdco / PIK
- Cash stays in the business
- Take-out
- Refinancing agreed up front
- Security
- Yes, partial or none
Illustrative only. The stack is built around cash flow and the security actually available.
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
Twelve structures
The structure follows the business.
One line on each. Most larger facilities combine more than one.
02
Mezzanine & subordinated
Sits behind senior debt to stretch leverage without new equity.
03
Unitranche & stretch senior
Senior and junior debt in one facility, one lender group, one set of terms.
04
Bridge
Short-dated funding against a defined exit: a sale, a refinancing or a receipt.
05
Project finance
Limited-recourse debt secured on a project’s contracts and cash flows.
06
Acquisition finance
Debt to fund a purchase, sized to the combined business.
07
Asset-backed lending
Facilities secured on property, equipment, inventory or receivables.
08
Trade & receivables
Funding for the trade cycle: pre-export, invoice and supply-chain finance.
09
Working capital & revolving
Revolving lines that move with the business’s cash cycle.
10
Holdco, PIK & shareholder debt
Debt at holding-company level, with interest paid in kind where cash must stay in the business.
11
Revenue-based & venture debt
Unsecured funding for asset-light and growth businesses, repaid from revenue.
12
Refinancing & take-out
Replacing existing debt before the maturity or covenant becomes the problem.
Where the structuring is the mandate
When the answer is not a standard loan.
Some files are fundable only once the structure is right. That work is where we add the most.
Holdco / PIKHighest return, last to be repaid
MezzanineSubordinated
Stretch seniorUnitranche
Senior debtFirst-ranking, lowest cost
Layered capital stacks
Senior, mezzanine and holdco debt combined, with inter-creditor terms agreed so each layer knows where it stands.
No hard collateral
Asset-light, technology and e-commerce businesses funded on cash flow, contracts and recurring revenue.
Cross-border and multi-currency
Borrower, security and lenders in different jurisdictions, drawn and repaid in the currency the business earns in.
Time-critical and special situations
Bridges with a defined exit, rescue capital and refinancing ahead of a maturity wall.
What we need to give you an answer
Six things, not the whole file.
Send these and we will tell you quickly whether it is a file we can act on.
The company
Who it is, where it trades and who owns it.
What it needs
The type of facility, or the problem to be solved.
The amount
An indicative figure and the currency.
Purpose of funds
What the money will do, and how it will be repaid.
Trading history
Years trading and recent accounts.
Security available
Yes, partial or none. None is fine.
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
Structures, answered.
Which structures does Royal Financial Group write?
Twelve: senior debt, mezzanine and subordinated, unitranche and stretch senior, bridge, project finance, acquisition finance, asset-backed lending, trade and receivables, working capital and revolving, holdco, PIK and shareholder debt, revenue-based and venture debt, and refinancing and take-out.
Can structures be combined?
Yes. Most larger facilities combine layers, for example senior debt with a mezzanine tranche, or a bridge with an agreed refinancing take-out. The stack is built around cash flow and the security actually available.
Do I need collateral?
No. We write secured and unsecured facilities. Where there is no hard collateral, the structure rests on cash flow, contracts and counterparty strength.
Which structure is right for my business?
It depends on what the money is for, how it will be repaid and what sits behind it. We diagnose that first, then propose the structure, and tell you plainly if another route fits better.
What do you need to give me an answer?
The company, what it needs, the amount involved, the purpose of funds, its trading history and the security available. None is fine.