SYG International · Scale Your Growth
SYG International advises on, structures and arranges debt and equity funding for SMEs and mid-market businesses in the UAE, working through banks, fintechs and private lenders. We don't lend. We work on your side of the table, bring the right funders to it and stay with the deal until the funds are in your account.
Funding facilitated for our clients through banks, fintechs and private lenders.
About SYG
SYG International is a financial, banking services and investment consultancy serving companies across all seven emirates of the UAE. We help growing companies raise capital from banks, fintechs, private lenders and investors.
Most businesses don't lack funding options. They lack someone who knows which funder fits, how to present the credit and how to push a deal over the line. That is the job we do.
Our founding team has spent more than 50 years combined in the UAE's banking, credit and corporate finance markets. We know how local funders assess risk, what they need to see and where each one has appetite.
We start with your balance sheet, cash cycle and growth plan. From there we recommend the right mix of debt and equity, build the structure, prepare a credit package that funders can act on and run the process with them on your behalf.
We don't stop at the introduction. We coordinate term sheets, credit queries, security and documentation, and we stay accountable until facilities are signed and drawn.
Solutions
These are the solutions we arrange most often through banks, fintechs, private lenders and investors. We recommend the right one, or the right combination, and manage the process through to drawdown.
Fixed-tenor funding repaid in scheduled instalments, sized to your cash flows and secured to suit the business.
Suited to Expansion and capex · Acquisitions · Refinancing existing debt
Read the guide: How can an SME in the UAE get a term loan to fund expansion?Turn unpaid invoices into cash. Funders advance a large share of approved invoices, so you are not waiting 60 to 120 days to be paid.
Suited to Long customer payment terms · Fast-growing order books · With or without recourse
Read the guide: How does invoice financing work for UAE businesses waiting on customer payments?The funder pays your suppliers on your behalf, and you settle later on agreed terms. Pay on time, protect supplier relationships and negotiate early-payment discounts.
Suited to Distributors and traders · Bulk or seasonal buying · Extending payment terms
Read the guide: How can a UAE distributor pay suppliers on time without straining cash flow?Import and export LCs, at sight or usance, issued through partner banks. They give suppliers payment security and help you win larger contracts.
Suited to Importers and exporters · New or overseas suppliers · Standby LCs (SBLCs)
Read the guide: How does a UAE importer open a letter of credit?Three linked tools for the import and export cycle. LC discounting pays you early on accepted usance LCs. Trust receipts (TR) release imported goods before you pay the bank. Short-term loans (STL) settle import bills and bridge the trade cycle.
Suited to Usance LC receivables · Import bill settlement · Bridging the trade cycle
Read the guide: What are LC discounting, trust receipts and short-term loans for UAE traders?Loans and leases against equipment, machinery, vehicles and specialist assets, so your cash stays in the core business.
Suited to Plant and machinery · Vehicles and fleet · Sale-and-leaseback
Read the guide: What are the options for financing machinery for a manufacturing company in the UAE?Short-term funding to pay salaries on time through the Wage Protection System (WPS) when client collections are running behind.
Suited to Contracting and services · Uneven client collections · WPS salary obligations
Read the guide: How can a UAE contracting company pay salaries when client payments are late?Funding advanced against your card-machine (POS) sales and repaid as a share of daily card settlements, so repayments move with your trading.
Suited to Retail and F&B · Clinics and salons · Seasonal businesses
Read the guide: How do POS loans work for restaurants and retail shops in the UAE?SME loans for general working capital, including quick-turnaround options from banks and fintech lenders.
Suited to Day-to-day working capital · Stock and inventory · Short-notice needs
Read the guide: How can a small business in the UAE get a business loan from a bank or fintech?Structured funding across the full trade cycle, from pre-shipment and purchase finance to post-shipment finance, bank guarantees and commodity finance.
Suited to Commodity and bulk trade · Pre- and post-shipment · Bank guarantees
Read the guide: How can a UAE trading company finance commodity imports and exports?Growth capital from investors who fit your stage, sector and ambitions, alongside mezzanine and hybrid structures that sit between debt and equity. We prepare the investor materials and manage the process through to completion.
Suited to Growth equity and private placements · Mezzanine and hybrid capital · Joint ventures and strategic partners
Read the guide: How can a growing UAE company raise equity funding from investors?Not sure which solution fits? Tell us about your business and we will recommend a structure.
Get a recommendationHow we work
A clear, staged process. You always know where the mandate stands, who is reviewing it and what comes next.
We review your financials, cash cycle, existing banking and growth plan to define the real funding need.
We design the facility or capital mix, security package and terms that fit the business and the market.
We prepare the credit package and shortlist funders whose appetite matches your profile.
We lead introductions, answer credit queries and negotiate term sheets alongside you.
We drive documentation, conditions precedent and closing until funds are available.
We own the execution.
Advice is only useful if the deal closes. Once a mandate is signed, SYG takes responsibility for moving it forward: chasing responses, clearing conditions and keeping every party to the timetable.
Who we serve
Our clients are established SMEs and mid-market companies in the UAE that are growing faster than their current banking can support.
Companies moving beyond a single bank relationship and needing their first structured facilities, trade lines or growth capital.
Businesses raising larger or multi-lender packages, refinancing, funding acquisitions or bringing in equity partners.
Why SYG
We sit between your business and the funding market, and we answer only to you.
No lending book and no in-house product. Our recommendations are driven by what fits your business.
Working relationships with banks licensed by the Central Bank of the UAE, fintechs, private lenders and investors.
Credit, trade and corporate finance experience to build proposals that funders can approve.
We measure success by facilities signed and funds drawn, not by introductions made.
Funding guides
Plain-English guides to raising funding in the UAE, from term loans and trade finance to the documents lenders expect. For official support schemes, see the UAE government’s SME programmes.
Start a conversation
Share a few details about your business and funding need. A member of our team will get back to you, and everything you share is kept confidential.
