TFO Private / Business Capital
Capital for your next move.
Unlock capital against property for business growth, liquidity, refinancing and strategic opportunities. Discreetly structured and personally managed.
Services
Capital for your next move.
Property-backed finance structured around the business, arranged before any lender sees your file.
- Property-backed business financing
- Equity release against eligible property
- Refinancing existing facilities
- Business expansion funding
- Commercial Property Finance
- Bridging requirements, where available
- Working capital solutions, subject to lender availability and applicable permissions
Not every route is available to every business. Each is subject to eligibility, lender criteria and applicable permissions.
When owners call us
Every business hits a moment like this.
These are the objectives owners most often bring to us. Each is assessed on its own merits, subject to eligibility and lender criteria.
01
Cash-flow requirements
Payroll, rent or VAT due before receivables land.
02
Business expansion
A new branch, fit-out, fleet or contract that needs funding now.
03
Partner buyouts
Taking full control of the business on your own terms.
04
Supplier and stock payments
Securing a discount or a large order with upfront payment.
05
Refinancing expensive facilities
Replacing high-cost debt with property-backed finance.
06
Bridging funding gaps
Funds are coming — a sale, a refinance, a payment — but not yet.
Property Capital Estimator
How much could your property unlock?
See an indicative figure before you speak to anyone. Nothing you enter here is saved unless you choose to send it.
Potential Capital Available
AED 3,000,000
Figures are indicative maximum estimates only. Actual financing depends on lender criteria, property valuation, affordability and financing purpose. Approval is not guaranteed.
How it works
Four steps. You approve every one.
01
A private conversation
One call or WhatsApp with the Managing Director. No forms full of personal data, no obligation.
02
We structure the options
We work out what your property and profile can support, and which routes fit — before any lender is involved.
03
You approve every approach
No lender is contacted without your agreement. You decide who sees your file.
04
Funds arranged
We manage valuation, documentation and offer through to release of funds.
Confidentiality
How we protect your confidentiality.
We're straightforward about this: if you apply, the lender you choose will run its standard checks and report to the credit bureau. Everything before that — and everything around it — stays with us.
No lender approached without your approval
We shortlist options with you first. Your file goes nowhere until you say so.
Documents go only to the chosen lender
Your information is shared on a need-to-know basis — never circulated to the wider market.
NDA available on request
We are happy to sign a non-disclosure agreement before you share company or personal details.
One senior point of contact
You deal directly with the Managing Director. No call centres, no handovers.
Never used for marketing
Private enquiries are not added to marketing lists or shared with third parties for promotion.
Deleted on request
If you decide not to proceed, ask and we will delete your enquiry.
Private line
Speak directly to the Managing Director.
Every TFO Private enquiry is handled personally by Tanuj Verma, Managing Director of TheFundsOfficer — from first conversation to completion.
Prefer to stay anonymous at first? Send the form with initials only — you'll receive a private reference code to quote instead of your name.
Straight answers
Questions owners ask us
Will anyone know I have approached you?
Your enquiry is handled in strict confidence and is seen only by our senior team. We do not contact any lender, or anyone else, without your approval. If you proceed with an application, the lender you choose will carry out its standard checks.
Will an application show on my credit report?
Yes. UAE lenders report credit applications and facilities to the Al Etihad Credit Bureau (AECB), as required. This is why we structure your case and agree a shortlist with you first, so you only apply where it makes sense.
Can I raise business capital against my personal property?
Often, yes. Equity release against a villa, apartment or commercial unit is one of the most common ways owners fund their business. Lenders assess the property value, your existing mortgage, your income and the purpose of the funds.
How much capital could my property release?
It depends on the property value, type and location, any existing mortgage, your affordability and each lender's loan-to-value limit for equity release. Use the estimator on this page for an indicative figure, then speak to us for a proper assessment.
How quickly can funds be arranged?
Timelines depend on the lender, valuation and how quickly documents are available. Property-backed finance commonly takes a few weeks from application. Tell us your deadline at the start and we will be straight with you about what is realistic.
Do you only arrange property-backed finance?
Property-backed finance is our core strength and usually the most cost-effective route for owners. We can also help with wider business finance, such as working capital, trade and receivables finance, where your circumstances suit it.
Do I need to share my company name at the start?
No. A first name or initials and a way to reach you is enough. We can discuss your situation in general terms first, and sign an NDA before you share specifics if you prefer.