Everything your capital needs, under one roof.
Six disciplines — from day-to-day financial management to fifteen-year project debt — structured, arranged, and stewarded by one accountable team. Engage a single service, or the whole balance sheet.
Financial management with institutional discipline
Your books, budgets, and cash flows — run to the standard a lender or investor would expect. We take over the operating rhythm of the finance function: monthly close oversight, rolling forecasts, variance analysis, and reporting that boards and banks can rely on without translation.
Every engagement runs on a single calendar: a 13-week rolling cash forecast, a reporting pack by the tenth business day, and a quarterly deep-dive on margins, working capital, and covenant headroom. You keep the decisions; we carry the discipline.
- Rolling 13-week cash-flow forecasting, refreshed weekly
- Multi-entity and multi-currency consolidation
- Budget vs. actuals variance analysis, with commentary
- Board- and lender-ready reporting, delivered monthly
- A named finance manager who knows your numbers
Who it's for
Companies from $2M to $100M in revenue — and family groups — that want CFO-office rigor without building one in-house.
Consolidated position
USD · Week 29, 2026
- Operating accounts$4.82M
- Money market & T-bills$2.10M
- Payroll & tax reserve$0.96M
- Net liquidity$7.88M
Net liquidity, trailing 12 weeks ($M)
Consolidated liquidity view · illustrative client dashboard
Capital structures for projects measured in years
From feasibility to financial close, we structure and arrange project finance for energy, infrastructure, real estate, healthcare, and industrial developments. Mandates run from $250K to $50M, matched to sponsors at every stage — first-time developers to repeat operators.
We build the bankable case: the SPV and security structure, the financial model lenders will stress-test, the information memorandum, and the term-sheet negotiation. Then we syndicate across our lender and investor network — and stay engaged through first drawdown.
- Mandates from $250K to $50M per project
- SPV, security, and covenant package structuring
- Bankable financial models and feasibility review
- Syndication across banks, funds, and private investors
- Support through financial close and first drawdown
Who it's for
Developers, sponsors, and operators bringing capital-intensive projects to market — on balance sheet or off.
Capital arranged by sector, $M · 2021–2025
Debt negotiated from your side of the table
Term loans, revolving working-capital lines, bridge facilities, and asset-backed finance — arranged on tenors from 6 months to 15 years. We prepare the credit case, approach the lenders most likely to say yes, and negotiate pricing, covenants, and security on your behalf.
Hawalad is paid by borrowers, never by lenders. That independence means every term sheet is compared on total cost — rate, fees, amortization, covenant burden — and every facility is modeled against your cash flows before you sign, not after.
- Tenors from 6 months to 15 years, fixed or floating
- Term loans, revolvers, bridge, and asset finance
- Credit-case preparation and targeted lender approach
- Side-by-side term-sheet analysis on total cost
- Refinancing and covenant renegotiation as you grow
Who it's for
Businesses and principals seeking $100K to $25M in facilities — without losing a quarter to the process.
$2.5M term facility
8.25% fixed · 84 months
| Mo. | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 01 | 39,277 | 22,090 | 17,188 | 2,477,910 |
| 02 | 39,277 | 22,241 | 17,036 | 2,455,669 |
| 03 | 39,277 | 22,394 | 16,883 | 2,433,275 |
| 04 | 39,277 | 22,548 | 16,729 | 2,410,727 |
| 05 | 39,277 | 22,703 | 16,574 | 2,388,023 |
Illustrative amortization · first five of 84 payments
Portfolios built on evidence, not enthusiasm
Discretionary and advisory portfolio management for individuals, families, and institutions. Every mandate begins with a written investment policy statement — objectives, constraints, liquidity needs, and a risk budget — before a single position is opened.
Portfolios are global and multi-asset: index funds and ETFs where markets are efficient, specialist managers where they are not. We review performance and risk quarterly, rebalance on bands rather than moods, and report net of fees, always.
- A written investment policy statement for every mandate
- Global multi-asset portfolios, public and private markets
- Quarterly performance and risk reviews, net of fees
- Fee-transparent fund and manager selection
- Tax-aware rebalancing and loss harvesting
Who it's for
Individuals, families, and institutions with $250K or more of investable assets — and a horizon longer than the news cycle.
Hawalad balanced composite · growth of $100, 2021–2026
Treasury discipline, generational perspective
For owners whose company cash and personal wealth move together, we design the policies that keep both safe: liquidity segmentation, laddered reserves, currency-exposure management, and a distribution policy that survives a bad year.
Capital is divided into operating, reserve, and strategic buckets — each with its own mandate and custodian — so payroll is never hostage to a market cycle. On the private side, we structure succession, estate, and legacy plans alongside your counsel, reviewed as the family grows.
- Liquidity segmentation: operating, reserve, strategic
- Laddered money-market and sovereign instruments
- FX and interest-rate exposure management
- Succession, estate, and legacy structuring with counsel
- Consolidated reporting across banks and custodians
Who it's for
Owner-managers and families balancing company liquidity with personal wealth — across generations, not quarters.
- Money market32%
- Sovereign bonds26%
- IG credit18%
- Equities14%
- Gold & real assets10%
Model reserve allocation · liquidity-first mandate
Controls that satisfy regulators — and let you sleep
Risk frameworks and compliance programs sized to your actual regulatory perimeter — not a template. We assess the gaps against the rules that govern you, then build the policies, registers, and reporting cadence to close them.
KYC/AML program design, governance and board frameworks, capital-adequacy and liquidity monitoring, examination preparation — delivered as a control register your board can actually read, with an owner, a frequency, and evidence for every line.
- Regulatory gap assessments with remediation roadmaps
- KYC/AML programs and screening workflows
- Governance, board, and committee frameworks
- Capital-adequacy and liquidity risk monitoring
- Examination and audit preparation, start to finish
Who it's for
Financial services firms, fintechs, and regulated businesses entering new markets — or expecting their next examination.
Control register
Q3 2026 · Excerpt
- KYC / AML screening programOperational
- Sanctions & PEP screeningOperational
- Capital adequacy monitoringOperational
- Liquidity risk frameworkOperational
- IFRS 9 provisioning modelIn review
4 of 5 controls operating effectively
Excerpt from a client control register · Q3 2026
Not sure where to start?
A thirty-minute conversation with an advisor is usually enough to map the right discipline — and the right structure — to your situation. No preparation needed; bring the questions.
Response within one business day · No obligation