Real Estate

Last-Mile & Escrow-Release Financing

Unlocking developer profit trapped in RERA and Wafi escrow ahead of milestones and handover.

Last-Mile & Escrow-Release FinancingImage · Last-Mile & Escrow-Release Financing
Overview

Last-mile and escrow-release financing bridges the gap between certified construction milestones and the cash sitting in a project’s regulated escrow account — the single largest liquidity constraint on UAE and Saudi developers, where Wafi rules retain 20% of project value plus 5% beyond completion. Matchpoint structures escrow-backed bridge facilities and profit-unlock transactions with private credit funds so developers can recycle capital into the next launch without waiting for handover.

As part of our Real Estate Financing practice, Matchpoint Partners has originated and led $2+ billion of transactions across four continents, and every real estate financing mandate is led by a partner, from first call to close.

How Matchpoint helps

Our role on last-mile & escrow-release financing mandates

  • Escrow-backed bridge and profit-unlock facilities
  • Structured around RERA (UAE) and Wafi (KSA) release rules
  • Private credit and specialist lender relationships
  • Recycles trapped equity into the next land purchase or launch
Track record

Select transactions

Representative real estate financing mandates led by Matchpoint partners.

Real Estate · Dubai Islands
$220m

Multi-asset portfolio bulk inventory sale (4–5 projects).

Distribution Adviser · Dubai
Questions, answered

Last-Mile & Escrow-Release Financing — frequently asked questions

Short-tenor credit advanced against the surplus cash trapped in a project’s regulated escrow account until milestones or handover are certified — releasing developer profit early without disturbing the escrow itself.

Yes — facilities are structured outside the escrow waterfall, against the developer’s entitlement to future releases; we structure with counsel to comply with RERA and Wafi rules.

Under UAE RERA rules cash is released against certified construction milestones, and under Saudi Wafi rules 20% of project value plus a further 5% is retained until at least a year after completion — on a typical project this traps a substantial share of the developer’s margin until handover.

Escrow-backed bridge facilities typically price in the low-to-mid teens in the GCC — well below the opportunity cost of leaving equity idle when the next land purchase or launch is waiting.

With a clean escrow statement and project documentation, indicative terms are achievable in weeks — the escrow account itself provides the lender’s visibility, which shortens diligence.

Matchpoint structures the full capital stack for UAE developers — senior secured debt, mezzanine with LandCo control, project finance, land acquisition finance, Sukuk and private credit, plus JV equity and bulk inventory sales. Tickets range from USD 5m to USD 500m+.

Land acquisition finance is bridge or term debt to fund the purchase of development land before construction. We arrange programmes — including Sukuk and private credit at ~8.5%–12% target yields — for developers in Yas Island, Reem Island, SZR and Dubai Islands.

A bulk inventory sale is the disposal of a block of completed or off-plan units to a single investor or institution at a negotiated discount. We run bulk SPA, OQOOD assignment and milestone-payment processes for developers seeking liquidity.

Engagements ordinarily combine a retainer with a success fee. Terms are agreed in writing before work begins and calibrated to the mandate’s size, scope and complexity.

Most mandates reach a first term sheet within 30 days, depending on diligence readiness and structure; closing follows once terms are agreed.

A short, confidential scoping call and NDA; we structure the requirement and prepare materials, then run a competitive process across our 5,000+ investor and lender relationships, and negotiate to close — with a partner leading at every step.

Matchpoint Partners is based in the UAE and runs cross-border mandates across the UAE, KSA, India and the UK, with active deal activity in wider Europe, Singapore and the United States.

Matchpoint undertakes corporate finance, financing, M&A and fund-placement mandates from USD 5m upwards, subject to mandate fit, diligence, applicable regulation, capacity and a written engagement. The partner team has originated and led $2+ billion of transactions.

Use the enquiry form, email contact@matchpoint-partners.com, or call/WhatsApp +971 52 345 1119. Every mandate is led by a partner from the very first conversation.

Yes. Confidential information is handled under the engagement terms and any applicable non-disclosure agreement.

Interested in last-mile & escrow-release financing?

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