Bank Facility & support Services

Maximize Your Creditworthiness & Secure Project Financing

Securing credit lines, bank guarantees (L/Gs), letters of credit (L/Cs), or working capital loans is essential for executing commercial contracts in Qatar. However, presenting your requirements to commercial lenders is a highly technical process. Banks do not look at generic accounts; they demand robust cash flow narratives, strict compliance histories, and projected repayment schedules. MIQYAS Consulting helps businesses prepare professional bankability files that meet local credit committee criteria.

We work with you to package your financial history, project margins, and cash flow projections into an authoritative dossier. We assist in bank negotiations, keep track of existing covenants, and build financing models showing how debt will be serviced without endangering operations.

Key Deliverables & Responsibilities

• Bank-Ready Financial Dossiers: Compiling clean audit reconciliations, historical statements, and credit proposals.
• Facility Request Advisory: Structuring requests for overdraft limits, letters of credit (L/C), performance bonds, and bid bonds.
• Debt Covenant Monitoring: Ensuring your current ratios (such as Debt-to-Equity and DSCR) remain compliant with loan agreements to avoid penalties.
• Cash Flow & Repayment Modeling: Building multi-year debt amortization schedules proving project feasibility.
• Bank Relationship Coordination: Acting as your technical representative to address bankers' credit queries.

Why Professional Banking Support Matters in Qatar

Local financial institutions in Doha (such as QNB, Commercial Bank, Doha Bank, and Al Rayan) maintain strict risk management policies. A disorganized finance application can lead to high interest margins, excessive collateral demands, or outright rejection, which can halt project mobilization. With MIQYAS, your credit file is managed by GCC finance veterans who know how to present project cash flows in the language bankers understand.

Frequently Asked Questions

Do you guarantee bank loan approvals?

While no advisory firm can guarantee bank credit approval (as decisions rest with the bank's credit committee), we ensure your financial files, projections, and repayment justifications are presented in the most professional, transparent, and credit-worthy manner possible, maximizing your chances of success.

Can you support us with project guarantees (L/G) for government tenders?

Yes, we prepare project cash flow narratives and financial models specifically structured to justify project-specific guarantees and letters of credit to local banks.