Capital for every ambition.
Hawalad pairs the discretion of a private bank with the pace of modern finance — financial management, project financing and loan financing, structured around your balance sheet and built to compound.
Hawalad balanced mandate
$0
12M return
+12.4%
Volatility
4.8%
Holdings
32
Six disciplines. One fiduciary standard.
From day-to-day financial management to complex project and loan financing, Hawalad advises across the full capital lifecycle — so every decision is made once, properly, and built to compound.
Financial Management
Consolidated reporting, disciplined rebalancing and a risk budget set around your objectives — not a product shelf.
Illustrative allocation
- Equities42%
- Credit28%
- Treasury18%
- Alternatives12%
Project Financing
Structured debt and equity for infrastructure, energy and industrial projects — from feasibility and due diligence through to financial close.
Learn moreLoan Financing
Tailored credit for growth, acquisition and working capital — transparent pricing, sensible covenants, decisions in days.
Learn moreInvestment Advisory
Independent, research-led guidance across public and private markets, accountable to your mandate alone.
Learn moreTreasury & Wealth Planning
Liquidity, cash and succession planning that keeps capital productive across cycles — and across generations.
Learn moreRisk & Compliance Advisory
Prudential frameworks, KYC/AML and regulatory readiness that let you move quickly without moving recklessly.
Learn moreFrom first conversation to funded — in four disciplined steps.
Every mandate follows the same arc: understand, structure, fund, steward. You always know what happens next, what it costs, and who is responsible for it.
Avg. time to funding — 3 to 6 weeks
Week 01
Discovery & consultation
A senior advisor maps your objectives, obligations and current position — cash flow, existing facilities, collateral and constraints — before anything is proposed.
- Objectives memo
- Position review
Weeks 02–03
Tailored structuring & credit assessment
We model the options — facility type, tenor, repayment profile, security — and run a full credit assessment, negotiating indicative terms across our lending network.
- Term-sheet options
- Credit decision
Weeks 03–06
Funding & implementation
Documentation, conditions precedent and drawdown are managed end-to-end. Capital lands where it was intended — on schedule, with every cost confirmed in writing.
- Documentation & drawdown
- Implementation plan
Ongoing
Ongoing management & reporting
Covenant monitoring, quarterly reviews and plain-language reporting keep the structure performing — and we revisit terms as your position strengthens.
- Quarterly reporting
- Covenant monitoring
The rigour of a private bank, the pace of a modern fintech.
Six commitments sit behind every mandate we take on — measurable, auditable, and written into how we work.
48hrs
Credit pre-approval
Indicative terms within two business days of receiving a complete file — not two months of silence.
Capital under advisory
$2.4B
Deployed across active financing mandates — balanced between project debt, corporate credit, real assets and treasury.
FY 2025 · Independently verified
- Project finance36%
- Corporate credit28%
- Real assets20%
- Treasury16%
Licensed & regulated advisors
Every mandate is led by licensed, accountable professionals — never routed to a call centre.
Transparent fees
One page, one figure, agreed in writing before work begins. No hidden spreads, no surprise invoices.
Segregated client funds
Client money sits in segregated accounts with independent custodian banks — never on our balance sheet.
End-to-end support
From first consultation to final repayment, one dedicated team owns your file. You never re-explain your business twice.
Independently audited
Our controls, client-money handling and financials are examined every year by an independent audit firm — and the opinion is available to clients on request.
- Annual unqualified opinion
- Quarterly reconciliations
- External compliance review
Trusted with the decisions that matter.
Business owners, CFOs and project developers on what changed after working with Hawalad — in their words, with their numbers.
“Hawalad structured a working-capital facility around our receivables cycle — not against it. For the first time, growth stopped depending on the next invoice clearing.”
Amira Warsame
Founder & CEO, Dalsan Logistics
“They renegotiated facilities we had carried for years and put three competing term sheets on the table. The revised structure saves us a five-figure sum every quarter.”
Daniel Okafor
CFO, Meridian Agro-Processing
“A bridging facility that two banks had sat on for months was assessed, structured and drawn in three weeks. Their credit team simply works at a different pace.”
Leila Haddad
Managing Director, Stonebridge Developments
“Hawalad structured a working-capital facility around our receivables cycle — not against it. For the first time, growth stopped depending on the next invoice clearing.”
Amira Warsame
Founder & CEO, Dalsan Logistics
“They renegotiated facilities we had carried for years and put three competing term sheets on the table. The revised structure saves us a five-figure sum every quarter.”
Daniel Okafor
CFO, Meridian Agro-Processing
“A bridging facility that two banks had sat on for months was assessed, structured and drawn in three weeks. Their credit team simply works at a different pace.”
Leila Haddad
Managing Director, Stonebridge Developments
“Project finance is where Hawalad earns its fee. Lender diligence, hedging and covenants were handled end-to-end, and we reached financial close ahead of schedule.”
Marcus Whitfield
Finance Director, Northgate Renewables
“Their treasury desk rebuilt how we manage currency exposure across five markets. Reporting is monthly, in plain language, and the savings are measurable.”
Sofia Almeida
Group Treasurer, Coral Coast Hospitality
“Equipment finance approved in two days, on terms we could actually model. We took delivery of the fleet before our old lender returned a call.”
James Kariuki
Director, Kariuki & Sons Construction
“Project finance is where Hawalad earns its fee. Lender diligence, hedging and covenants were handled end-to-end, and we reached financial close ahead of schedule.”
Marcus Whitfield
Finance Director, Northgate Renewables
“Their treasury desk rebuilt how we manage currency exposure across five markets. Reporting is monthly, in plain language, and the savings are measurable.”
Sofia Almeida
Group Treasurer, Coral Coast Hospitality
“Equipment finance approved in two days, on terms we could actually model. We took delivery of the fleet before our old lender returned a call.”
James Kariuki
Director, Kariuki & Sons Construction
Straight answers, before you ask.
The essentials on services, eligibility, fees and how client money is protected — in plain language.
Six disciplines under one roof: financial management, project financing, loan financing, investment advisory, treasury & wealth planning, and risk & compliance advisory. Engagements can be standalone — a single facility, a treasury review — or combined into a retained relationship that covers your whole financial position.
Ready to take control of your financial future?
Speak with a senior advisor about your objectives — and leave the first call with a clear view of your options, timelines and costs.
No obligation · Response within one business day · Licensed & regulated advisors