How should a UAE borrower choose a debt financing route?
Match the facility to the use of proceeds, amount, repayment source, security, industry, jurisdiction, borrower and transaction timetable.
Matchpoint undertakes debt mandates from USD 5m upwards across five working size bands: USD 5m–10m, USD 10m–20m, USD 20m–50m, USD 50m–100m and USD 100m+. The executable route depends on cash-flow capacity, repayment source, security, purpose, tenor, jurisdiction, evidence and lender criteria.
1. Define the debt requirement
- Amount, currency and required date
- Exact use of proceeds
- Facility tenor and drawdown profile
- Repayment source and maturity event
- Available assets, contracts, receivables or guarantees
- Existing debt, security and consent requirements
2. Place the mandate in its working size band
Classify the requirement as USD 5m–10m, USD 10m–20m, USD 20m–50m, USD 50m–100m or USD 100m+. The band informs the lender universe, syndication need, diligence workload and process design. It does not establish lender availability or mandate acceptance.
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3. Match the facility to the situation
| Situation | Routes to assess |
|---|---|
| Acquisition | Acquisition facility, senior debt, private credit, unitranche, mezzanine or bridge |
| Expansion | Corporate loan, private credit, venture debt, capex or asset-backed facility |
| Project or construction | Project finance, development finance, senior secured debt or subordinated capital |
| Working capital or trade | Revolver, borrowing base, receivables, factoring, supply-chain finance or trade instruments |
| Refinancing | Bank refinance, private credit, maturity extension or recapitalisation |
| Restructuring or rescue | Amend-and-extend, special-situations credit, bridge, rescue or insolvency-process finance |
4. Test repayment and downside resilience
Build a base and downside forecast covering interest, principal, covenants, working capital, capex and liquidity. Identify the repayment source and timing. Separate contracted or evidenced cash flows from management estimates.
5. Apply industry, geography and borrower role
Sector economics affect cash conversion, asset values, construction risk, offtake, receivables and lender appetite. Jurisdiction affects security, enforcement, licensing, tax and documentation. The borrower, sponsor, fund or project company must have authority to provide the required evidence and negotiate the facility.
6. Run a controlled lender process
Prepare the financial model, debt schedule, lender presentation or credit memorandum, security summary, corporate and project documents, data room and diligence timetable. Compare amount, total cost, tenor, amortisation, security, covenants, conditions, prepayment and funding certainty across written proposals.
Matchpoint mandate fit
Matchpoint undertakes corporate finance, financing and M&A mandates from USD 5m upwards, subject to evidence, readiness, jurisdiction, applicable regulation, capacity and a written engagement. Review the mandate criteria.
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Frequently asked questions
Matchpoint undertakes debt mandates from USD 5m upwards, subject to mandate fit, evidence, readiness, jurisdiction, applicable regulation, capacity and a written engagement.
Cash flow, repayment source, security, amount, tenor, timetable, covenant capacity, documentation and lender criteria determine which route deserves priority.
Prepare the financial model, debt schedule, use of proceeds, repayment plan, security summary, corporate documents, management information, forecasts, contracts and a structured data room.
Last updated: July 2026.
Discuss a mandate
Speak to a partner about how this applies to your transaction. A partner responds personally, typically within one business day.
