Capital When You Need It. Structured the Right Way.
Debt Financing
Structured financing solutions including senior debt, mezzanine finance, bridge facilities, and sukuk issuance, designed to support corporate growth and capital requirements with disciplined risk management.
2003
منذ عام ٢٠٠٣
$3.5B
أصول تحت الإدارة
KSCC
شركة مساهمة كويتية
About Our Debt Financing Division
نظرة عامة على تمويل الديون
Al Amal's Debt Financing team provides Shari'a-compliant financing solutions for corporations, institutions, and government-related entities across the GCC. We offer senior debt, mezzanine, bridge financing, and Sukuk issuance using Islamic structures such as Murabaha, Ijara, and Musharaka. Our team brings together decades of regional and international experience to deliver tailored, execution-ready financing solutions.
يقدم فريق تمويل الديون في ألمانزا حلولاً تمويلية متوافقة مع أحكام الشريعة الإسلامية للشركات والمؤسسات والكيانات الحكومية في منطقة دول مجلس التعاون الخليجي.
Debt Financing Solutions
حلول تمويل الديون
Senior Debt
الدين الأول
First-lien, Shari'a-compliant financing for established corporates and investment-grade issuers. Structured as Murabaha or Ijara facilities with clear security packages.
Structures
- First-lien security
- Flexible tenor: 1–7 years
- Competitive pricing
- Investment-grade focus
Mezzanine Debt
الدين الوسيط
Subordinated financing for corporate expansions, leveraged acquisitions, and development stage projects. Structured as a Musharaka or hybrid Ijara facility.
Structures
- Subordinated position
- Equity kicker options
- Flexible repayment
- GCC focus
Bridge Financing
التمويل الجسري
Short-term financing for time-sensitive opportunities including acquisition bridges, capital markets bridges, and refinancing interim facilities.
Structures
- Tenors: 3–18 months
- Fast execution
- Acquisition bridges
- Refinancing bridges
Sukuk Issuance
إصدار الصكوك
End-to-end structuring and placement of Shari'a-compliant bonds (Sukuk) for GCC sovereigns, quasi-sovereigns, and corporate issuers in local and international markets.
Structures
- Full structuring advisory
- CMA submission support
- Bookbuilding & placement
- Listing: KSE / regional
Our Investment Philosophy
فلسفتنا الاستثمارية
Income Focus
التركيز على الدخل
We prioritize stable, contractually based returns derived from asset-backed financing structures. Our portfolio targets predictable cash flows through Murabaha and Ijara instruments that provide regular periodic payments.
Capital Preservation
الحفاظ على رأس المال
We lend exclusively against high-quality, tangible assets with strong, creditworthy sponsors. Our underwriting process involves rigorous due diligence on collateral, sponsor quality, and debt service coverage.
Shari'a Compliance
الامتثال للشريعة الإسلامية
All financing structures are asset-backed and completely free from interest (riba). Each facility is reviewed and approved by our independent Shari'a Supervisory Board before execution.
Governance
Shari'a-Compliant Debt Financing Framework
إطار تمويل الديون المتوافق مع الشريعة الإسلامية
All debt financing solutions are structured in accordance with Islamic principles, overseen by our internal Shari'a Supervisory Board. We use Shari'a-compliant structures instead of conventional interest-based loans.
Screening Process
عملية الفحص والتدقيق
- Asset verification — real, tangible collateral required for all facilities
- Prohibition of interest-based (riba) elements in all documentation
- Contractual structure approval — Murabaha, Ijara, or Musharaka only
- Borrower business activity screening against Shari'a prohibited sectors
- Annual Shari'a compliance certificate issued for each active facility
Approved Islamic Structures
الهياكل الإسلامية المعتمدة
Murabaha
— المرابحةCost-plus financing where the bank purchases an asset and sells it to the client at a marked-up price payable in installments.
Ijara
— الإجارةLeasing structure where Al Amal purchases an asset and leases it to the client for a fixed term, transferring ownership at maturity.
Musharaka
— المشاركةProfit-sharing partnership where both parties contribute capital and share returns according to pre-agreed ratios.
Our Success Stories
قصص نجاحنا
$3.5B
Total Facilities Originated
إجمالي التسهيلات
Aggregate volume since inception (2003)
$50M
Average Facility Size
متوسط حجم التسهيل
Across corporate and institutional mandates
0.0%
Portfolio Default Rate
معدل التعثر
Zero defaults since inception
86%
Repeat Client Rate
معدل العملاء المتكررين
Clients returning for second mandate
Representative Transactions
GCC Industrial Group — $180M Murabaha Facility
Closed 60 days from mandate. First-lien Murabaha over production assets. Annual Shari'a certificate issued.
Regional Developer — $250M Sukuk Al-Ijara
Listed on KSE. CMA approved prospectus. Oversubscribed 2.3x. Shari'a Supervisory Board approved.
Kuwaiti Conglomerate — $75M Acquisition Bridge
12-month bridge to permanent Murabaha refinancing. Closed in 21 business days.
Our Foundation
Core Values
قيمنا الأساسية
The five core values extracted from Al Amal's founding principles govern every aspect of our investment management and client service activities.
03
Act with Integrity
العمل بنزاهة
We act with complete integrity in every client interaction, investment decision, and regulatory filing. We do not compromise on ethics or fiduciary duty, ever.
04
Maintain Ethics
الحفاظ على الأخلاق
Our ethical framework governs not just what we invest in, but how we operate — from CMA disclosure compliance to Shari'a governance and internal audit practices.
05
Invest in People
الاستثمار في الأشخاص
Al Amal invests in the ongoing professional development of our equity analysts, portfolio managers, and support staff, recognising that our people are our primary competitive advantage.
01
Work & Spread Knowledge
العمل ونشر المعرفة
We cultivate a culture of continuous learning, sharing research, and building institutional knowledge that benefits our clients and the broader GCC investment community.
02
Persevere
المثابرة
Long-term value creation requires patience and resilience. We remain committed to our investment thesis even during periods of market volatility or short-term underperformance.
Our Commitment to Clients
التزامنا تجاه عملائنا
Transparency
الشفافية
We provide clear, timely reporting to all facility participants with full disclosure at every stage — from term sheet through to annual compliance reporting.
- Quarterly portfolio reporting
- CMA-compliant disclosures
- Facility-level Shari'a audit
Alignment
التوافق
Our financing solutions are tailored precisely to client goals, risk profiles, and capital structures. We do not offer standardized products — every mandate is structured to client specifications.
- Bespoke structuring
- Risk-profile alignment
- Sponsor co-investment available
Execution Excellence
التميز في التنفيذ
We have a proven track record in closing complex, cross-border financings within GCC timelines. Our team is known for speed without compromising regulatory compliance.
- Average close: 45 days
- CMA filing support
- Multi-jurisdictional capability
Explore Further
مزيد من المعلومات
Become a Partner
كن شريكاً معنا
Al Amal provides Shari'a-compliant debt financing solutions for corporations, institutions, and government-related entities across the GCC. Speak with our debt financing team to explore your financing options — from senior debt and mezzanine to Sukuk issuance.