HJ - Business Project Loans

Business | Project Loans

HJ Investments provides clear and dependable international debt financing for acquisitions, expansions, and project development. Facilities are structured to match cash flows with disciplined underwriting and transparent execution.

Standard Terms

Facility size: USD 1,000,000 to USD 500,000,000
APR: 4% p.a.
Tenor: 5 to 10 years
Grace period: up to 12 months (case by case)
Repayment: Monthly or annual amortization
Currency: USD

Collateral Options

Equity pledge up to 49% for startups (collateral for loan term)
3% to 5% surety bond from approved underwriters
Corporate guarantee or asset-backed security as agreed

Eligibility and Contribution

Minimum track record or a viable project with credible sponsors
Sponsor contribution: up to 10% for startups, 5% for acquisition or expansion
SPV required: Yes (jurisdiction: UAE)
Use of funds must be lawful and verifiable

Fees and Closing

Broker or introducer fee: 1% on successful closing
Exit fee: Waived
Legal, documentation, and SPV setup costs: Borrower-borne
Indicative closing timeline: about 2 weeks after final documentation

Financing Process

Submit a comprehensive business plan and financial model
Framework review and issuance if the project is viable
Application, KYC, and due diligence
Draft loan agreement and closing arrangements
Final signatures, SPV setup, and disbursement to the SPV account

Initial Checklist

Company profile and ownership structure
Business plan and use of proceeds
3 years financials or projections for new projects
Bank statements or proof of sponsor contribution
Corporate documents and IDs for KYC

H J Investments W.L.L. • CR No. 152603-1 • W.L.L • Status: ACTIVE. All facilities are subject to due diligence, credit approval, and final documentation.

Contact: contact@hjiwll.com • Address: Office No. 328, Building 2648, Block 257, Road 5720, Amwaj, Bahrain

Business Project Loans