Debt capital markets

Sharia-compliant debt, arranged for growing companies.

We structure and raise debt for growing companies in Egypt, Saudi Arabia and the UAE, matching each borrower with the lenders best placed to fund it.

Start the borrower survey For lenders

Illustration: a bank sending banknotes and coins out on a conveyor

Lenders engaged since 2025

Term sheets issued

$0.2–50M+

Facility range

Sharia structures we arrange

Source: Significa DCM records, October 2026.

Who this is for

Borrowers, lenders and investors.

For borrowersRaise debt for your companyHow we raise it, the structures we arrange, who qualifies, and the five-minute survey.

How we raise it

Capital exists. The hard part is the match.

We take one credit file to up to five lenders whose criteria fit, instead of you pitching every bank in town.

Your companyAmount, use of funds, last year’s revenue

Significa structures and preparesStructure, credit file, data room

Up to five lendersPicked for fit, approved by you

Structure

We size the facility and pick the Sharia structure that fits the use of funds.

Prepare

We build the credit file and data room with you, so lenders can say yes quickly.

Place

We take it to up to five lenders whose criteria fit, and run the term sheets to close.

What we arrange

The structure follows the use of funds.

Use of fundsStructureClosest conventional product

Stock and goods

Murabahaمرابحة

Working-capital loan

Equipment and vehicles

Ijaraإجارة

Finance lease

Growth projects

Diminishing Musharakaمشاركة متناقصة

Term loan or project finance

Larger refinancing

Sukukصكوك

Bond

Sharia-compliant, every facility.

Each facility follows AAOIFI standards and is approved by the lender’s Sharia board before signing.

Who we arrange for

From under $1M to $50M and more.

Local-currency SMEsEGP or SAR

Under $1M

Asset-backed SMEsRevenue $2M+

$1–10M

VC-backed scale-upsSeries B and later

$3–20M

CorporatesAcquisition, project or contract finance

$10–50M+

$0.2M$1M$5M$10M$50M

To start, we need two years of trading, audited accounts and a written ask.

Markets

Egypt
Saudi Arabia
UAE

How it runs

Six steps from first call to funded.

1Fit checkOne call on the amount, use and revenue.
2MandateScope, timeline and fee agreed.
3Credit fileBuilt with your team.
4Lender matchUp to five lenders, picked for fit.
5Term sheetsCompared side by side with you.
6FundedDocumentation and drawdown.

You approve every lender approach before it happens.

For lendersGet deals inside your lending boxThe lenders we work with, how matching works, and how we screen every borrower.

For lenders

Deals inside your box, with the work done.

Banks, non-bank lenders, credit funds and DFIs tell us what they lend into. We bring them borrowers that fit, credit-ready and screened.

Regional banks and their capital arms

$10M+

Local non-bank lenders

$0.2–8M

Venture and specialty credit

$1–30M

Saudi private credit funds

$1.3–13M

DFIs

$5M+

$0.2M$1M$5M$10M$50M

1Share your criteriaTicket, sectors, markets, security.
2We matchOnly borrowers inside your box.
3You reviewA credit-ready file and data room.
4Term sheet to closeWe run the process with the borrower.

Every borrower is screened for

Ownership
Sanctions
PEP exposure
Adverse media
Litigation

We check your criteria with you every quarter.

Share your lending criteria

For investorsInvest in SME private creditOur Private Credit Fund lends into the deals we see first. A one-page summary of the fund.

Asset management · Private Credit Fund

Short-dated, asset-backed credit for growing SMEs.

A $100M Sharia-compliant fund lending $1–10M over 12–24 months to tech-enabled SMEs in Europe and the Middle East.

$100MTarget fund size

$1–10MPer facility

12–24Months per facility

≤10%Of NAV per borrower

Sharia-compliant, every facility
Deals reach the fund from our own debt and M&A mandates, and go through Significa underwriting first.

Explore the Private Credit FundProfessional and institutional investors only.