Al-Barakah Finance

Our Comprehensive Financial Services

Explore all 17 Al-Barakah Finance solutions - corporate advisory and capital raising, retail banking for residents and employers, and specialized desks for growth and turnaround across 20+ UAE partner banks.

17 Divisions

Tailored Advisory

Central Bank & Shariah Compliant

Financial Excellence

Tailored Capital & Advisory Solutions

Each business and individual has unique financial objectives. Browse by practice area — every card opens a dedicated page with process, FAQs and direct advisor access.

Corporate Solutions

Institutional-grade advisory for corporates, sponsors and project owners — from debt and syndication to treasury and capital raising.

Debt Advisory & Syndication

01. Advisory & Capital Raising

Corporate Finance

Working capital, structured trade finance, syndicated credit facilities, and real estate project finance tailored for mid-market and large corporate enterprises across the UAE and GCC.

Senior & Subordinated Debt Advisory
Structured Trade Finance (LC / BG)
Mergers, Acquisitions & Buyouts
Multi-Bank Syndicate Structuring
AED 50M+ Tickets

02. Corporate Solutions

Project Finance Advisory

Limited-recourse funding for infrastructure, energy and industrial projects with bank-grade modelling and syndication.

SPV & Escrow Structuring
DSCR Cash-Flow Modelling
Club & Syndicate Placement
Refinance After Completion
LC · BG · SCF

03. Corporate Solutions

Trade Finance Facilities

Import, export and supply-chain lines — LCs, guarantees and receivables finance matched to your trade cycle.

Sight & Usance LCs
Contract Guarantees
Receivables Discounting
Commodity Borrowing Base
CFO-Level Counsel

04. Corporate Solutions

Corporate Advisory & Treasury Services

Treasury policy, liquidity design, FX hedging and board-level funding strategy from ex-bankers.

Treasury Policy & Controls
FX & Rate Hedging
Banking RFP & Re-Pricing
Valuations & Diligence
Multi-Bank Deals

05. Corporate Solutions

Syndicate Financing

Club and syndicated facilities with competitive tension — one negotiation, several committed lenders.

Club & Syndicate Structuring
LMA-Based Documentation
Pricing & Covenant Benchmarks
Facility Agency Setup
30% - 60% Cash Flow Relief

06. Turnaround Advisory

Debt Restructuring

Strategic liability management and bank negotiation to consolidate debt, extend repayment tenors, reduce profit margins, and pause legal enforcement measures.

Loan Rescheduling & Tenor Extensions
Consolidation of Multiple Credit Lines
Standstill & Grace Period Negotiation
Profit Rate Margin Optimization
Equity + Debt

07. Corporate Solutions

Funds Raising (Equity / Debt)

Growth capital on both sides of the balance sheet — investor positioning through to negotiated close.

Equity & Mezzanine Placement
Pitch & Data-Room Build
Investor & Lender Outreach
Term-Sheet Negotiation

Retail Banking Solutions

Everyday banking made effortless — accounts, mortgages, loans, cards and payroll for residents, families and employers.

25-Day Standard Approval

08. Central Bank Compliance

Account Opening

End-to-end guidance through Central Bank compliance, KYC documentation, UBO declarations, and in-person bank liaison to open corporate and personal bank accounts seamlessly.

Free Zone & Mainland Business Accounts
Offshore & Holding Company Banking
High-Net-Worth Personal Bank Accounts
Central Bank Compliance & KYC Audit
20+ Bank Network

09. Property & Asset Finance

Mortgage Finance

Comprehensive residential and commercial mortgage advisory for UAE Nationals, Resident Expats, and International Non-Resident Investors across 20+ top-tier UAE banks.

First-Time Buyer Mortgages (Up to 85% LTV)
Commercial & Industrial Property Loans
Mortgage Refinancing & Equity Release
Non-Resident Overseas Property Loans
Up to 80% LTV

10. Retail Banking Solutions

Home Loans in the UAE

First and family homes financed simply — pre-approval in days across 20+ banks, to handover.

First-Time Buyer Programs
Ready & Off-Plan Cover
Refinance & Equity Release
Non-Resident Options
AED 50K – 5M

11. Retail Banking Solutions

Business Loans

Term funding for established businesses — growth, equipment and top-ups with decisions in days.

Growth Term Loans
Top-Ups & Transfers
Asset-Backed Options
Shariah-Compliant Choice
Up to 20x Salary

12. Retail Banking Solutions

Personal Finance

Fairly-priced personal funding with true-cost comparison across banks — consolidation to top-ups.

Salaried & Self-Employed
Debt Consolidation
Shariah-Compliant Choice
Digital Fast-Track
0% Transfers

13. Retail Banking Solutions

Credit Cards Advisory

Cards chosen on maths — rewards matched to spend, 0% transfers and business cards.

Cashback & Miles Match
0% Balance Transfers
Business Card Programs
Limit Optimization
WPS Compliant

14. Retail Banking Solutions

Payroll Accounts (WPS)

WPS salary disbursement with staff perks — set up once, run payroll in minutes monthly.

WPS Registration
Bulk Staff Onboarding
Preferential Staff Rates
Multi-Bank Comparison

Specialized Advisory

Focused desks for growth capital, real-estate assets and liability resolution across the UAE & GCC.

AED 500K - 20M Scope

15. Business Liquidity

SME Loans

Tailored credit lines, invoice discounting, equipment loans, and Shariah-compliant SME Murabaha facilities designed to fuel small and medium enterprise growth.

Revolving Working Capital Lines
Shariah-Compliant SME Murabaha
Machinery & Equipment Financing
Supply Chain & Invoice Finance
AED 1.2B+ Financed

16. Property & Development

Real Estate Finance

Shariah-compliant capital for development, acquisition, commercial and bulk residential including construction escrow, investment NOI, bridge/mezzanine and refinance across 20+ banks.

Development & Construction Escrow
Investment Acquisition (NOI-Based)
Bridge, Mezzanine & Forward Funding
Refinance & Rental Discounting
Rescheduling & NOC

17. Liability Rescheduling

Repayment Rescheduling

Expert negotiation with bank Special Asset Recovery units to achieve full & final discounted lump-sum reschedulings, legal case dismissals, and official Clearance NOCs.

Full & Final Discounted Rescheduling
Cheque Retrieval & Legal Case Release
Central Bank Credit Bureau Update
Binding Rescheduling Letter Pre-Payment

Banking Ecosystem

Direct Access to 20+ Premier UAE & GCC Banks

We act as your dedicated financial representative, bypassing underwriting friction to secure optimal profit margins and rapid drawdown.

Emirates NBDFirst Abu Dhabi BankAbu Dhabi Commercial BankDubai Islamic BankMashreqAbu Dhabi Islamic BankCommercial Bank of DubaiNational Bank of Ras Al KhaimahNational Bank of FujairahWio BankEmirates IslamicAjman BankNational Bank of Umm Al QuwainBeehiveDeem FinanceAl Maryah Community Bank

Confidential · Compliant · Shariah-Conscious

Need Personalized Advice for Your Business?

Speak directly with our senior financial advisors in Dubai to structure the ideal credit facility or mortgage solution for your goals.