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AM LTD Consulting

@amltdconsulting

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Why “No Upfront Fees” Is the Wrong Question in Financing

One of the first questions many borrowers ask is:

“Are there any upfront fees?”

On the surface, it seems like a reasonable concern.

But in structured finance, this question often reflects a misunderstanding of how serious lending actually works.

Institutional lenders do not deploy capital based on promises or projections alone.

They rely on verification.

This is why independent:

• feasibility studies

• financial validation

• risk analysis

are required before funding.

These are not “fees to get a loan.”

They are professional services performed by third-party firms that assume liability for their analysis.

The real question is not:

“Are there upfront fees?”

It is:

“Is the project strong enough to pass independent due diligence?”

In reality:

• banks require equity contribution

• private equity requires ownership dilution

• private credit requires validation

There is always a cost to capital.

The difference is how that cost is structured.

Serious borrowers understand this.

They don’t pay for promises.

They invest in making their deal fundable.

#Privatelender #ProjectFinance #DueDiligence #BusinessFunding #Entrepreneurship #CapitalMarkets #commercialrealestate #privatecredit Upfront fees by @amltdconsulting

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6 months ago

Why the Investment Committee Matters in Private Credit

Most developers think financing is decided by the person they speak to.
In reality, the final decision happens at the Investment Committee.

#PrivateCredit #InvestmentCommittee #StructuredFinance #CreditAnalysis by @amltdconsulting

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7 months ago

Private credit enters 2026 facing its toughest environment since 2008, as late-cycle risks emerge across corporate credit markets.
The report flags rising stress indicators—such as leveraged loan defaults in late 2025, increased use of payment-in-kind (PIK) in senior lending, and a “true” default rate estimated near ~5% when broader liability management is included.
Opportunistic and distressed credit funds have built major “war chests,” raising $100B+ in the past two years, positioning them to capitalize on volatility.
Meanwhile, the growth story continues:
Europe is becoming a structural growth engine for private credit fundraising, and evergreen funds (semi-liquid structures) have surged to $644B in AUM as managers push into insurance and private wealth channels.
Five largest listed private markets managers manage $1.5T in perpetual capital (~40% of AUM).
The key theme: private credit is maturing fast, but 2026 will test its resilience, underwriting discipline, and liquidity promises.

#PrivateCredit #PrivateMarkets #DirectLending #CreditMarkets #AlternativeInvestments #AssetManagement #InstitutionalInvestors #PortfolioStrategy #EuropeanMarkets #CapitalMarkets #EvergreenFunds #PerpetualCapital #WealthManagement #InsuranceInvesting by @amltdconsulting

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9 months ago

Why Private Credit Fees Look Different From Bank Fees
Bank financing and private credit do not always use the same fee structure.
A bank may charge arrangement, commitment, legal or processing fees, and some of these may be deducted from the loan proceeds.

Private lenders may also require independent due diligence before disbursement.
That can include:

✓ Financial review
✓ Technical feasibility
✓ Commercial assessment
✓ Sponsor verification
✓ Legal and compliance review
✓ Risk analysis

These are professional costs associated with verifying the transaction before capital is deployed.
Our own advisory compensation is primarily success-based and payable after successful disbursement.
The key is not simply the amount of the fee—it is understanding what the fee pays for and at what stage it becomes payable.

Our Dubai-based private lenders consider qualifying projects globally from $2M+.
CTA: Send us your project documentation for preliminary assessment.
📩 fmbawa@akohmbawaltd.com

#PrivateCredit #ProjectFinance #BusinessFinance #DebtFinance #RiskManagement by @amltdconsulting

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16 hours ago

Pourquoi les frais du crédit privé diffèrent-ils de ceux des banques ?
Les banques et les prêteurs privés ne structurent pas toujours leurs frais de la même manière.

Une banque peut facturer des frais d’arrangement, de dossier, juridiques ou d’engagement. Certains peuvent parfois être prélevés directement sur le financement.

Dans le crédit privé, le prêteur peut également exiger une due diligence indépendante avant le décaissement.

Elle peut notamment couvrir :
✓ Analyse financière
✓ Étude technique
✓ Vérification commerciale
✓ Évaluation du promoteur
✓ Aspects juridiques et conformité
✓ Analyse des risques

Ces coûts servent à vérifier la transaction avant le déploiement du capital.
Nos propres honoraires de conseil sont principalement basés sur le succès et payables après le décaissement réussi du financement.

L’important n’est donc pas seulement le montant du frais, mais sa fonction, son bénéficiaire et le moment où il devient payable.

Nos partenaires prêteurs privés basés à Dubaï examinent des projets éligibles partout dans le monde à partir de 3 M USD.

CTA : Envoyez-nous votre documentation pour une première évaluation.
📩 fmbawa@akohmbawaltd.com

#CréditPrivé #Financement #Dette #FinancementDeProjet #GestionDesRisques by @amltdconsulting

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a day ago

Why Good Deals Fail at Credit Committee
A project can look strong at first review and still be declined later.

That is because credit committee looks beyond the headline opportunity.
It asks:
✓ Can the debt be repaid reliably?
✓ Are the assumptions realistic?
✓ What happens in a downside scenario?
✓ Can the sponsor execute?
✓ Are legal, compliance and documentation issues resolved?
✓ Is the capital structure sustainable?

Indicative terms only mean the lender is willing to continue evaluating the transaction. They do not guarantee final approval.

Our Dubai-based private lenders assess qualifying projects globally, with strong emphasis on repayment capacity and risk.
CTA: Seeking $3M+ in financing? Send us your project documentation for preliminary review.

📩 fmbawa@akohmbawalimited.com

#Privatelending #ProjectFinance #CreditRisk #DebtFinance #CommercialFinance by @amltdconsulting

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7 days ago

Pourquoi de bons dossiers échouent-ils au comité de crédit ?
Un projet peut sembler solide lors de la première analyse et être malgré tout refusé plus tard.

Le comité de crédit regarde au-delà de l’opportunité commerciale.
Il analyse notamment :
✓ La capacité réelle de remboursement
✓ Le réalisme des hypothèses
✓ Les scénarios défavorables
✓ La capacité d’exécution du promoteur
✓ Les risques juridiques et de conformité
✓ La structure du financement

Les conditions indicatives signifient seulement que le prêteur souhaite poursuivre l’évaluation.
Elles ne garantissent pas l’approbation finale.

Nos partenaires prêteurs privés basés à Dubaï examinent des projets éligibles à l’échelle internationale.
CTA : Vous recherchez 3 M USD ou plus ? Transmettez-nous votre documentation pour une première évaluation.

📩 fmbawa@akohmbawalimited.com

#CréditPrivé #FinancementDeProjet #AnalyseDeCrédit #Financement #GestionDesRisques by @amltdconsulting

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7 days ago

Good Projects Can Still Be Bad Credits
A project can be profitable, promising and commercially attractive — and still be difficult to finance with debt.

Why?

Because lenders focus on more than upside.

They ask:
✓ When will cash flow actually arrive?
✓ Can the project service debt consistently?
✓ What happens if revenues fall or costs rise?
✓ Is repayment dependent on refinancing?
✓ Can the sponsor execute successfully?

Project viability is not the same as debt serviceability.
Our Dubai-based private lenders assess qualifying projects globally, focusing on repayment capacity, cash-flow resilience and overall risk.

CTA: Seeking $3M+ in financing? Send us your project documentation for preliminary review.

📩 fmbawa@akohmbawalimited.com
#PrivateCredit #ProjectFinance #CommercialFinance #DebtFinance #RiskManagement by @amltdconsulting

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9 days ago

Un bon projet peut malgré tout être un mauvais crédit
Un projet peut être rentable, prometteur et commercialement attractif — tout en restant difficile à financer par dette.

Les prêteurs examinent notamment :
✓ Le moment où les flux de trésorerie apparaissent
✓ La capacité à assurer le service de la dette
✓ La résistance du projet à une baisse des revenus
✓ La dépendance éventuelle au refinancement
✓ La capacité d’exécution du promoteur

Viabilité commerciale ≠ capacité de remboursement.
Nos partenaires prêteurs privés basés à Dubaï examinent des projets éligibles dans le monde entier en se concentrant sur la solidité des flux de trésorerie, la visibilité du remboursement et le risque global.

CTA : Vous recherchez 3 M USD ou plus ? Transmettez-nous votre documentation pour une première évaluation.

📩 fmbawa@akohmbawalimited.com
#CréditPrivé #FinancementDeProjet #Financement #Dette #GestionDesRisques by @amltdconsulting

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9 days ago

What Does 100% Project Financing Actually Mean?

“100% project financing” is one of the most misunderstood expressions in private credit.

It does not mean:

❌ Automatic approval
❌ No underwriting
❌ No sponsor commitment
❌ No independent due diligence
❌ Financing undocumented or unjustified costs

It means that, for a qualifying transaction, a lender may be prepared to finance up to 100% of eligible project investment requirements without necessarily requiring a predetermined equity contribution.

But the economics must support the debt.

Our Dubai-based private lending partners assess transactions globally, focusing on:

✓ Commercial viability
✓ Sustainable cash flow
✓ Repayment capacity
✓ Sponsor capability
✓ Project structure and execution risk
✓ Independent feasibility and risk verification

The greater the leverage, the stronger the case for disciplined underwriting.

100% financing is a capital structure possibility not a substitute for bankability.

CTA: If you are developing, acquiring or expanding a commercially viable project requiring $2M+ in financing, contact us to assess whether it fits our private lenders’ global underwriting framework.

#PrivateCredit #ProjectFinance #DebtFinance #CapitalStructure #CommercialFinance #InstitutionalCapital #GlobalFinance by @amltdconsulting

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a month ago

Que signifie réellement un financement de projet à 100 % ?

Un prêteur peut-il financer 100 % d'un projet ?

Potentiellement oui — mais cela ne signifie pas un financement sans conditions.

Pour une transaction éligible, le prêteur peut envisager de financer jusqu'à 100 % des besoins d'investissement éligibles, sous réserve de son analyse de crédit.

Cela ne signifie pas :

❌ Financement garanti
❌ Absence de due diligence
❌ Absence de responsabilité du promoteur
❌ Décaissement avant vérification

Nos partenaires prêteurs privés basés à Dubaï examinent des projets dans le monde entier, en fonction de leur viabilité, de leurs flux de trésorerie, de leur capacité de remboursement et de leur profil de risque.

Plus le levier financier est important, plus l'analyse du risque doit être rigoureuse.

CTA : Vous recherchez un financement de M USD ou plus ? Envoyez-nous une présentation de votre projet pour une première évaluation.

#CréditPrivé #FinancementDeProjet #Investissement #Finance #Dette #FinancementInternational by @amltdconsulting

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a month ago

Le système monétaire de La Republique Democratique du Congo s'est fortement développé jusqu'en juillet 2026, mais la composition de cette croissance est tout aussi importante.

Entre décembre 2025 et juillet 2026 :

Banque centrale

Actifs extérieurs nets : 10,72 → 12,60 mille milliards CDF (+17,5 %)
Actifs intérieurs nets : 709 → 571 milliards CDF (-19,5 %)
Base monétaire : 11,43 → 13,17 mille milliards CDF (+15,2 %)

Cette évolution indique que l'expansion monétaire de la BCC a été principalement soutenue par le renforcement de sa position extérieure, plutôt que par une hausse des actifs intérieurs nets.

La composition de la base monétaire a également évolué. La circulation fiduciaire n'a augmenté que de 5 %, alors que les engagements de la BCC envers les banques ont progressé de près de 29 %.

Au niveau de l'ensemble des institutions de dépôts :

Actifs extérieurs nets : +31,6 %
Actifs intérieurs nets : +18,0 %
Masse monétaire au sens large : +26,0 %

À fin juillet, la masse monétaire atteignait environ 51,24 mille milliards CDF, soit 22,11 Mds USD.

Et surtout, cette croissance est de plus en plus portée par les dépôts.

Les dépôts transférables ont progressé de 36,5 %, contre seulement 6,2 % pour le numéraire hors banques.

Le système monétaire devient donc non seulement plus important, mais aussi davantage fondé sur les dépôts que sur la monnaie fiduciaire.

La prochaine question sera de savoir si cette liquidité croissante se traduira par davantage de financements productifs pour les entreprises et l'investissement.

#RDC #Banque #Macroéconomie #MasseMonétaire #Finance #BanqueCentrale by @amltdconsulting

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a month ago