Financial Consultancy

WMI takes care of your trade finance requirements. We provide our expertise in business and financial consulting, assessment of working capital requirement, complete documentation for business loans, business valuation, reducing cost of capital through competitive rates, project Financing etc.

We provide following services to our clients:

• OD (Overdraft) Line
• LC (Letter of Credit) Line
• LC Discounting
• TR (Trust Receipt) Financing
• Cheque Discounting
• Local Bill Discounting
• Bank Guarantee
• Project Financing

Overdraft Line: –

It is a financing facility that helps any business to plan expenditure, access to funds so that monthly expenses like utility bills, payments, raw materials and cost of capital can be paid. In case of potential shortfall in cash, a company can use this option.

We will help you in arranging overdraft line to meet your needs.

LC (Letter of Credit): –

A Letter of Credit is a document issued from a bank to a seller, guaranteeing that a buyer’s payment with correct amount will be received by a seller on time. A letter of credit contains all the details to ensure that all parties have clarity and they are on the same page.

We can arrange Letter of Credit to fulfil your business requirement in UAE. 

LC (Letter of Credit) Discounting: –

It is a form of short-term credit for a seller by a bank. Through discounting, a seller gets paid immediately even if a buyer wants to have credit period.

We help our clients in LC discounting in UAE.

TR (Trust Receipt) Financing: –

Trust Receipt (TR) is a type of short-term loan for goods imported under letter of credit. TR financing is the best alternative for the purchases.

We arrange finance for purchase through TR financing.

Cheque Discounting: –

In this case, clients can take cash from the bank on the security of post-dated cheques received from customers. Banks only provide this facility when they are certain that they will receive the amount from the customer on due date.

We can help you and arrange cheque discounting facility so that you can meet your short-term working capital requirement.

Local Bill Discounting: –

A client can pledge its local receivables to a bank and get immediate cash facility in return to manage daily operations. The receivable is treated as collateral and a bank provide pledged amount to the client at an agreed interest rate.

We can arrange local bill discounting for you within UAE to fulfil your cash requirement.

Bank Guarantee: –

In business, sometimes a situation may arise when a client need guarantee against Advance Payment, Work Performance, Retention, Maintenance etc. It required expert banking consultant to execute this process.

We assist our client in arranging bank guarantee in such situations. We will coordinate with the leading banks on behalf of you.

Project Financing: –

Project financing plays a vital role in financing development projects throughout the world. All kinds of projects including Building Construction, Power Plants, Chemical processing plants, manufacturing plants, and telecommunication infrastructure are being financed all over the world.

It is a method of funding in which a lender closely looks at the feasibility and revenues generated by a single project to ensure the repayment of the financing and to assess security for the exposure.

It is important to build the case for financing a project through banking consultants who have sound knowledge and expertise. We help our client in preparing your case to secure project finance in UAE.

We assess your capital structure, further requirements of funds, and provide optimal solutions. It starts from assessing your working capital requirements, goes through careful deliberation about best possible options, and selection and implementation of the best possible solution put to the table.

We provide following services for SME & Corporate Financing:

• Business Loans
• SME & Commercial Loans
• Loans against POS Transactions 

Business Loans: –

Businesses can take the leap from good to great. Business finance is a form of unsecured instalment-based product ranging from maximum 36 to 72 months instalments, depending on which bank is providing you the facility. It has been designed to address the needs of small businesses for business expansion and working capital requirement.

We arrange business loans to our Client in UAE on very competitive rates.

SME & Commercial Loans: –

Almost all small and medium enterprises strive to grow faster and expand their business. In order to do that, additional financing is required.

We arrange SME & Commercial loans for our Clients in UAE.

Loans against POS Transactions: –

It is one of the best options for such companies who are merchant establishments that use credit card Point of Sale (POS) machines for daily business transactions and looking for a boost in working capital, inventory purchases, business expansion, purchase and upgrade of equipment etc. These businesses can leverage Point of Sale (POS) receivables to avail loan.

We arrange this loan to improve your working capital.

With many years of experience in banking and financial industry, We offer mortgage consultancy to our clients in the property market. We are committed to provide an independent mortgage consultancy to our clients with best mortgage options with low interest rates and flexible payment terms.

We offer tailored solution for your needs. Our service packages have been structured with consultation in such a way that caters the requirements of every individual client. Our consultants will explain you about complicated financial products in easy to understand terms.

We help you in making informed financial decisions through our consultancy to make sure you get what you really want.

Our mortgage consultancy is proud to offer following services:

• Mortgage Advice
• Complete information and selection of Financial Institution
• Comparison of Interest Rates
• Cost and Time Saving Options
• Transparent Mortgage Process

You can get services about many products of Mortgage including but not limited to the following:

• First Time Buyer Mortgage
• Improvement in Existing Property
• Buyout Mortgage
• Equity Release
• Buy-to-Let Mortgage
• Investment Property Mortgage
• Re-Financing & Re-Mortgaging

We offer consultancy for Fleet Financing to our clients from different industries. Whether you need cars for sales people, delivery vans for making deliveries, or heavy commercial vehicles to carry equipment; there are always two options in front of you, buying on cash or fleet/asset financing. If you need several cars, vans, buses, or trucks, you can be eligible for fleet/asset financing and you can save a lot of money.

We offer fleet financing services in below mentioned sections:

• Single Auto Financing
• Commercial Fleet Financing
• Corporate Fleet Financing

By offering our comprehensive services, we always make sure to save your time and money and fuel your growth. When the time comes to buy new company vehicles, our flexible and cost-effective financing solutions take the burden off of your shoulders. You can make informed financing decision by using our financial services.

Categories of Fleets:

• Light Transport Vehicle (LTV)
• Heavy Transport Vehicle (HTV)
• Medium Commercial Vehicles (MCV)
• Heavy Commercial Vehicles (HCV)
• Light Earth Moving Machinery (LEM)
• Medium Earth Moving Machinery (MEM)
• Heavy Earth Moving Machinery (HEM)