Al-Barakah Finance

Syndicate Financing

Multi-bank club and syndicated facilities — one negotiation, several committed lenders, terms that reflect real competition.

Club & Syndicate

Multi-Bank Execution

Single-Point Negotiation

Bigger Tickets, Better Terms

When One Bank Is Not Enough

Beyond single-bank appetite, pricing power comes from competition. We structure and syndicate facilities across 20+ UAE & GCC banks.

Club & Syndicated DealsAgency CoordinationCovenant Negotiation

Club & Syndicate Structuring

From 2-bank clubs to broad syndications — sized, tranched and priced for maximum tension.

Facility Agency Coordination

One agent, one agreement, one reporting pack — we keep multi-lender mechanics invisible to you.

Term & Revolving Facilities

Capex term loans paired with revolving lines so growth and working capital stay funded together.

Intercreditor Alignment

Security sharing, voting thresholds and enforcement mechanics agreed before signing — not after.

Pricing & Covenant Negotiation

Margin grids, leverage covenants and flex language benchmarked across live UAE deals.

Refinance & Accordion Options

Built-in accordion and refinancing mechanics so the facility grows with the business.

Roadmap to Signing

Our Syndication Process

A controlled auction of your credit — competitive tension, documented discipline.

  1. 1

    Mandate & Information Memo

    Credit-grade memo, model and management Q&A that answers committee questions upfront.

  2. 2

    Bank Sounding

    Targeted sounding across relationship and opportunistic banks to confirm appetite and pricing.

  3. 3

    Terms & Commitments

    Commitment letters negotiated side by side until pricing, tenor and covenants converge.

  4. 4

    Documentation

    LMA-based facility, security and intercreditor documents driven to signing without drift.

  5. 5

    Signing, Closing & Agency

    Funds flow on day one with agency, reporting and waiver mechanics already agreed.

FAQ

Common Questions on Syndicate Financing

What size suits syndication?

Generally AED 75M+ or where single-bank concentration limits bind — clubs work from AED 30M.

How many banks participate?

Typically 2–6 lenders; we size the club to your reporting and relationship capacity.

Does syndication cost more?

Arrangement fees apply, but competitive tension usually delivers lower all-in pricing than bilateral lines.

Can existing bilateral lines be folded in?

Yes — refinancing and consolidation into the syndicate is standard practice.

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Confidential · Compliant · Shariah-Conscious

Syndicate Your Next Facility

Send your requirement — we will map the right club of banks and run the process for you.