Arranging Credit and Advising on Credit

Access to credit is crucial for the growth and prosperity of any business in today’s economy. In recent years, there has been a significant increase in the number of traditional financial institutions, such as banks, launching new credit products specifically for their high-net-worth clientele. In line with this new trend, there are now more opportunities in the financial market for corporate clients to obtain credit from other sources such as credit funds, although banks remain the main and preferred credit provider.

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InvestIN intends to recommend the best lenders to the potential borrower, who would be the firms client. The Firm will be able to advise and help its clients receive credit in a shorter amount of time and at the best possible rate thanks to its team who are knowledgeable about credit and have experience in recommending credit products.

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The firm will carefully review and asses the terms of credit provided by the lenders and recommend the most suitable one(s) as per the client’s requirements and the terms of the credit agreement. The firm will also be involved in:

• Arranging credit facilities based on the client’s requirements;
• Introducing potential borrowers to a credit provider (who can be in the DIFC or outside the DIFC);
• Assisting a potential borrower to obtain credit, such as completing application forms and other processes relevant to the transaction;
• Negotiating terms of credit, including any fees payable to the arranger;
• Arranging collateral or other assurances needed by the potential borrower to obtain credit.

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The advice would include a statement, opinion, or report, where the intention is to assist a client in deciding to either obtain funds or have a facility enabling access to funds.

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• Trade Finance (Letter of Credit/Guarantee);
• Loans;
• Overdrafts;
• Margin Trading (Specially used for trading in FX), Lombard Loans, Trading Limits (Specially used for unfunded trades like Accumulators, Decumulators).

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The following criteria will be considered by the Firm, to shortlist the banks:

• Their financial soundness;
• Years of existence in business;
• Terms of finance, such as the tenure, rate of interest;
• Credit rating;
• Group Structure;
• History and reputation;
• Jurisdiction;
• Flexibility of repayment etc.