+971 52 747 4629
Burjuman Business Tower, Dubai, United Arab Emirates
Dubai skyline backdrop

About Us

With a legacy of strength, stability and integrity, we are committed to ethical business practices and long-term value creation for our customers.

Financial advice you can count on — wherever you are

Emirates Finance Corporation (EFC) partners with ambitious leaders to unlock capital, manage risk, and enable sustainable growth. Our client-first approach is rooted in transparency, research-led insight and a commitment to compliance excellence.

Our team is always just a phone call away: +971 52 747 4629

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Our Vision

To be recognized as proactive, results-oriented leaders who collaborate with clients to deliver excellence in operational and strategic financial management.

Our Mission

Provide excellence in client service and compliance through an unwavering commitment to our staff, robust operations, and continuous process improvement.

Our Values

We uphold strength, stability and integrity — honoring the trust clients place in us and pursuing long‑term value creation with ethical business practices at our core.

Principles that guide our work

  • • Client-centric planning aligned to goals and risk tolerance
  • • Comprehensive approach: capital, tax, estate and risk integration
  • • Long-term perspective to navigate market volatility
  • • Diversification and robust risk management across asset classes
  • • Research-led decision-making and market vigilance
  • • Ethical, ESG-aligned investing and responsible stewardship
  • • Transparent reporting and clear communications
  • • Tailored solutions for individuals, businesses and institutions

Capital & security (at a glance)

Key terms
  • • Interest from 4% p.a.
  • • Minimum ROI: 10%
  • • Funding: $1m–$4bn
  • • Tenor: 10–15 years
Security
  • • Surety/Performance Bond (non-collateral)
  • • or Perfected first lien (collateral)
  • • SPV/EPV setup available

Sectors include Oil & Gas, Agriculture, Health, Aviation, Tourism, Retail, Real Estate, Construction, IT & Communications, Technology, Education, Energy, Engineering, Utilities, Telecoms, Mining, Maritime and more.

Global coverage

EFC supports clients across key regions with local knowledge and international standards.

MENA
GCC focus

UAE, KSA, Qatar, Bahrain, Kuwait, Oman

Europe
EU & UK

Structured lending, JV co-investment

Africa
Growth corridors

Energy, agriculture, infrastructure

Asia
Selective

Technology and real assets

Sectors we support

Energy Real Estate Technology Healthcare Agriculture Aviation Education Telecoms Mining Maritime

ESG & responsible investing

  • • ESG integration across due diligence and portfolio monitoring
  • • Focus on sustainable, long-term value creation
  • • Alignment with clients’ ethical and regulatory requirements
  • • Transparent reporting on impact where applicable

Client impact highlights

0
Loans arranged
0
Client satisfaction
172
Companies invested

Governance & policies

  • • KYC/AML standards and counterparty screening
  • • Deal approvals framework with segregation of duties
  • • Risk management framework & escalation protocols
  • • Data privacy and confidentiality commitments
  • • Business continuity and resilience planning
  • • Ongoing compliance training and audits

Client onboarding

We provide a clear onboarding checklist and transparent documentation requests.

  • • Executive summary and financials (PDF preferred)
  • • KYC documents and corporate structure
  • • Project scope, timeline, and use of funds
  • • Security preferences (bond vs. lien) and SPV options

Milestones

Selected milestones in our journey of client-focused growth.

Foundation

Established EFC in Dubai

Built on strength, stability and integrity to serve regional and international clients.

Platform growth

Expanded sector coverage

Energy, real estate, technology, healthcare, aviation and more.

Investor base

JV co-investment platform

Enabled alignment across venture, buyout and secondary strategies.

Scale

$1.6bn+ AUM and growing

172 companies invested · $426mm distributed to investors.

Leadership

A focused team with a shared commitment to integrity, performance and client outcomes.

Jamal Ibrahim Bilal

Chairman

Oversees strategy and governance, aligning EFC’s long-term vision with client success and ethical practice.

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Guides institutional relationships, board oversight, and stewardship across investment initiatives.

Saheb Amir Hussein

Member

Advises on capital allocation, risk and partnerships across sectors and regions.

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Supports origination and structuring across specialized lending and JV activity.

Oumar Tahir Ganem

Member

Supports portfolio strategy, investor engagement and operational excellence.

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Focus on governance and continuous process improvement within EFC.

Frequently asked questions

What information should I include in my executive summary?

Include business overview, financials, use of funds, timeline, security preference (bond vs. lien), and any SPV/EPV requirements.

How long does it take to receive indicative terms?

Complete applications typically receive indicative terms in 5–7 business days following preliminary assessment.

What collateral options are available?

Security can be provided via Surety/Performance Bond (non-collateral) or perfected first lien (collateral). We also support SPV/EPV setup.

Which sectors are in scope?

We cover Energy, Real Estate, Technology, Healthcare, Agriculture, Aviation, Education, Utilities, Telecoms, Mining, Maritime and more.

Your future in finance starts here

We assess your opportunity and guide next steps with clarity and speed.

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