Finance & Capital Solutions

SBLC / BG / DLC — Provision & Monetisation

We source, provide, and monetise Standby Letters of Credit (SBLC), Bank Guarantees (BG), and Documentary Letters of Credit (DLC) issued by internationally rated banks. Whether you need an instrument issued on your behalf or want to unlock liquidity from one you already hold, we arrange the full transaction — from SWIFT MT760 delivery to monetisation disbursement.

• Fresh-cut SBLC & BG issuance via rated bank partners — SWIFT MT760 delivery
• Leased instrument arrangements at 4%–10% per annum of face value
• Monetisation advance rate: 70%–92% of instrument face value
• Documentary LC (DLC): irrevocable, confirmed, transferable, back-to-back
• Instrument sizes: USD 5 Million – USD 5 Billion+

SKR Monetisation & Asset-Backed Financing

A Safe Keeping Receipt (SKR) issued against physical assets — gold, nickel, copper, or other precious and industrial metals — is a bankable instrument when properly structured. We arrange financing against genuine, bank-issued SKRs through our established network of institutional financers.

• Financing against nickel, gold, copper, silver, platinum, and other assets
• Financing amount: 60%–85% of commodity market value
• Joint utilisation agreements with SKR holder — shared proceeds
• End Stockholder authority documentation & custodian bank coordination
• Full legal framework: Pledge Agreement, Irrevocable Bank Instruction, NCNDA
• Minimum SKR value: USD 5,000,000 | Duration: 3–5 years

Real Estate & Construction Finance — Including Stalled Projects

One of the most acute gaps in the UAE real estate market is construction finance for projects that have stalled mid-development — due to developer funding gaps, contractor payment failures, or lender withdrawal. VR Investment UAE provides structured financing solutions specifically designed to rescue, restart, and complete these projects.

Joint Venture (JV) — Land & Project Development Finance

For landowners who hold valuable plots but lack the capital or development expertise to build, and for developers who have capital but lack land, VR Investment UAE structures and facilitates Joint Venture arrangements — connecting partners, structuring the equity and finance, and ensuring the right legal framework is in place from day one.

• Landowner + Developer JV — land as equity contribution, developer provides capital
• Developer + Investor JV — equity investment in return for revenue or profit share
• SPV (Special Purpose Vehicle) structuring for ring-fenced project development
• JV financing — senior or mezzanine debt raised at the JV SPV level
• Profit-sharing and exit structuring — unit sales, bulk sale, or refinance exit
• UAE free zone and mainland JV entity formation guidance

APG, Performance Bonds, Bid Bonds & DLP Retention Bonds

Construction and contracting in the UAE requires a suite of banking bonds and guarantees at every stage of a project. VR Investment UAE facilitates the full range of construction-related banking instruments — from tender stage through to defect liability period.

VRI Facilitation Fee: 2%–5% of bond/guarantee value — payable upon successful issuance. No advance fees.

Project & Infrastructure Finance

We arrange debt, mezzanine, and equity financing for large-scale infrastructure, energy, industrial, and mixed-use development projects — from term sheet to financial close — across the UAE and internationally.

• Senior debt from UAE banks, DFIs, and institutional lenders
• Mezzanine and subordinated debt — bridging senior debt and equity
• Equity introduction: strategic investors, family offices, sovereign vehicles
• SBLC-backed project credit where conventional lending is constrained
• Export finance & ECA-backed facilities for cross-border projects
• Islamic project finance: Murabaha, Ijara, Musharaka structures

Minimum project size: USD 10,000,000 | VRI fee: 1%–3% at financial close

Working Capital & Short-Term Liquidity Solutions

• Invoice discounting and receivables finance — unlock cash tied up in certified works
• Supply chain finance — supporting subcontractors and material suppliers
• Revolving credit facilities (RCF) for trading and contracting companies
• Bridging finance — short-term (3–12 months) against asset or contract security
• Payment deferral and structured vendor finance arrangements

Property Acquisition Finance

• Conventional mortgage arrangement support — UAE residents and non-residents
• Islamic mortgage (Murabaha) introduction and structuring
• Off-plan payment plan structuring — optimising instalment schedules
• Portfolio acquisition finance — bulk unit purchase at developer or secondary market level
• Golden Visa property investment structuring (AED 2M+ threshold)
• 1BHK short-term rental investment product — 6%–10% net annual yield (indicative)

Trade Finance — LC, APG & Commodity Settlement

• Irrevocable, confirmed, and transferable Letters of Credit (LC)
• Back-to-back LC for intermediary trading structures
• LC discounting — immediate cash against a deferred payment LC
• Advance Payment Guarantees for commodity and equipment supply contracts
• Petroleum & commodity trading facilitation — crude, metals, agricultural products
• USDT settlement for commodity and pallet transactions

Banking Pallet & USDT Settlement Financing

• Buyer mandate introduction to verified sellers with Proof of Product
• NCNDA-protected intermediary commission structures
• USDT settlement: TRC-20 / ERC-20 with wallet verification protocol
• Fiat settlement via SWIFT for counterparties preferring traditional banking
• Commission distribution within 3 banking days of confirmed settlement