Direct Lending • Funding Arrangement • Syndication • Corporate Finance • Advisory
We lend, we commit, and our partners refinance.
Royal Financial Group is a Dubai-headquartered lending and corporate finance house. We take the credit view, write the facility and run the transaction through to drawdown, and refinance it through our capital partners across the GCC, Europe and Asia. Secured and unsecured.
- Global Coverage
- Secured & Unsecured
- Direct Lender
- Confidential
Lending & financing
Lending, Funding & Corporate Finance
Lending first, advisory behind it, each led by a senior team from first conversation to drawdown.
Direct Lending
Senior, bridge, mezzanine, asset-backed and trade facilities written directly by RFG.
Learn More →Funding Arrangement
Senior, mezzanine and bridge facilities written directly by RFG and refinanced through twelve classes of capital partner.
Learn More →Syndication & Consortium
Club, consortium and syndicated funding where a requirement is larger than any single lender will hold.
Learn More →Structured & Project Finance
Bespoke and limited-recourse structures for complex assets, cash flows and large-scale developments.
Learn More →Trade & Working Capital
Trade lines, receivables and working capital facilities against contracts and the trading cycle.
Learn More →Refinancing & Restructuring
Rescheduling and refinancing existing facilities: rebuilding the case and closing the amendment.
Learn More →M&A & Valuation
Buy-side and sell-side execution, and valuations on a basis that withstands scrutiny.
Learn More →Advisory & Consultancy
Due diligence, feasibility, risk and management consultancy behind the financial case.
Learn More →Direct lending
Facilities written, and refinanced through our partners.
Facilities written by RFG, then refinanced through sovereign wealth funds, pension funds, insurers, international banks’ specialty finance desks, private equity, family offices and HNIs.
- We take the credit decisionRFG writes the facility against the business, its cash flow and its security, and runs it through to drawdown.
- Written, shared or refinancedWritten directly; co-lent or syndicated with RFG taking or placing the lead; or refinanced into longer-dated institutional capital.
- An answer in daysAn indicative position in days rather than committee cycles. Secured and unsecured.
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, in the GCC, Europe and Asia.
Financial
Group
How a facility runs
From first conversation until the money moves.
Discovery
The company, what it needs, the amount involved and what sits behind it.
Diagnosis
Financial, commercial and operational review from primary sources.
Structuring
Designing the facility around the cash flow and security available.
Credit Decision
RFG takes the credit view and writes the facility; our partners refinance it as it seasons.
Refinancing
The facility refinanced, co-lent or syndicated with our capital partners.
Documentation
Terms drafted to the transaction, conditions precedent and closing managed end-to-end.
Drawdown
Funds released. We stay engaged until the money moves.
Sectors we lend to
Where our mandates sit.
Capital-intensive and asset-light sectors, funded secured and unsecured, against cash flow, contracts and counterparty strength.
Why borrowers choose us
Six reasons borrowers come to Royal Financial Group.
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.
An Answer in Days
An indicative position in days rather than committee cycles, and a straight answer early.
Senior-Led Execution
The transaction lead who scopes your facility runs it through to drawdown — no hand-offs.
Twelve Classes of Capital
Behind every facility, a refinancing line across sovereign wealth funds, pension funds, insurers, banks’ specialty finance desks, private equity, family offices and HNIs.
Cross-Border Expertise
Cross-border and multi-currency facilities, executed across multiple jurisdictions from a Dubai headquarters.
One Counterparty
One point of contact, one version of the numbers, one timetable, whichever route the money takes.
Representative mandates
Illustrative Case Studies
Representative examples, anonymised and adapted to illustrate our approach — not disclosures of any specific client engagement.
Energy & Infrastructure
Structured debt for a mid-market energy operator
- Funding Type
- Senior secured facility
- Challenge
- Existing facility misaligned with project cash flow timing
- Solution
- Restructured into a phased drawdown senior facility
- Result
- Facility realigned to project milestones and refinanced on improved terms
Real Estate
Development financing for a mixed-use scheme
- Funding Type
- Bridge & development facility
- Challenge
- Land acquisition timeline shorter than a standard approval cycle
- Solution
- Bridge facility provided alongside a parallel long-term financing process
- Result
- Site secured on schedule with development facility drawn in phases
Trade & Logistics
Working capital for a cross-border trading business
- Funding Type
- Receivables & trade finance
- Challenge
- Growth outpacing available working capital lines
- Solution
- Receivables-backed facility sized to the trading cycle
- Result
- Working capital headroom increased to support continued growth
From the credit desk
Featured Insights
LendingWhat makes a funding file move quickly
RefinancingRefinancing before you have to
ValuationWhy two valuations of the same company disagree
Due DiligenceRed flags that survive a clean audit
More from the credit desk: Building a risk register a board will actually use · The five assumptions that sink a hospitality feasibility study · All insights →
Frequently asked
Questions About Lending & Funding
Yes. We take the credit decision and write facilities ourselves: bridge, working capital, asset-backed, mezzanine and growth facilities. Larger requirements are co-lent or syndicated, with RFG taking or placing the lead, and every facility is refinanced through twelve classes of capital partner.
No. Collateral helps, but it is not a precondition. We lend secured and unsecured. Where there is no hard security, the case is built on cash flow, contracts and counterparty strength.
A description of the borrowing entity and its trading history, the amount required and what it is for, the drawdown profile, and financial statements or management accounts. Security or support if there is any, and it is no obstacle if there is none. That is enough for a first view.
An indicative position in days rather than committee cycles. The same team that tests the business takes the credit view, so there is no chain of committees in between.
We diagnose the business and the requirement, structure the facility around its cash flow and security, and take the credit decision. We write the facility directly; where it is larger, we co-lend or syndicate it with RFG leading, and every facility is refinanced through our capital partners as it seasons. We stay engaged until the money moves.
Structured finance is a bespoke financing arrangement built around a specific asset, cash flow or transaction when a standard senior loan does not fit the risk or the security available. We design the instrument around the deal, then write it, co-lend it or place it with the capital partners best suited to hold it.
Much of our work is in capital-intensive sectors such as energy, infrastructure, real estate, hospitality and healthcare, but a hard asset is not a requirement. Technology, trade and asset-light businesses are funded on cash flow, contracts and counterparty strength.
Yes. A large share of our mandates involve counterparties, lenders or jurisdictions outside the UAE. We lend and arrange cross-border and multi-currency facilities from our Dubai headquarters.
A first view comes in days. A straightforward working-capital or bridge facility can close in weeks once diligence is complete. Structured, syndicated and project facilities typically run several months, driven by diligence and documentation.
Project finance is non-recourse or limited-recourse structuring repaid primarily from a project’s own cash flows rather than a parent company’s balance sheet. It is common in energy, power, infrastructure and large-scale real estate developments.
Yes. M&A, valuation, due diligence, feasibility, risk and consultancy sit alongside the lending work. The analysis that makes a facility bankable is the same analysis that improves the operation behind it.