Crafting Deals that Fly
- Focusing on client support from credit application to disbursement:
- Door-to-door client-side technical support.
- Mandated support without undermining lender role.
- Customizable to deal-specific requirements.
- A consistent feature in credit environment is the volume of transactions that fail to progress beyond appraisal due to deficiencies in preparation, structuring, and documentation despite their potential commercial viability.
- Credit applications are often submitted to lenders with incomplete documentation, weak structuring, and over-optimistic assumptions, leading to declines before the actual business case is assessed.
- The Transaction Advisory Mandate addresses credit application deficiencies at source by providing hands-on technical support to clients throughout their credit application journey.
Incomplete Documentation
Transactions submitted with weak business case, incomplete documentation, and loose legal structures.
Weak Structuring
Funding requests lacking deal architecture, risk parameters, and commercial logic.
Misaligned Objectives
Transactions with low credit discipline, financial capacity, capital structure, and weak collateral proposition.
- The Transaction Advisory Mandate is delivered through two structured engagement modes.
Task-Specific Mandate
- This mode covers selected mandate parameters based on client requirements and transaction development stage.
- Focused advisory scope
- Flexible and modular engagement
- Suitable for transactions already in progress
Door-to-Door Mandate
- This mode covers the full mandate scope from concept development to disbursement and, where required, post-implementation support.
- Full transaction lifecycle coverage
- Integrated structuring and execution support
- Suitable for new or complex transactions
- The Transaction Advisory Mandate covers six core credit parameters.
- 1
- Disciplined and non-exclusive identification of appropriate financing partners and aligning credit application to lender requirements.
- 2
- Developing transaction architecture, financial structuring, and alignment of risk, collateral, and covenants.
- 3
- Preparation and refinement of transaction documentation in line with best-practice credit standards.
- 4
- Technical support in term sheet negotiation and reviewing of key commercial terms.
- 5
- Review of financing agreements and alignment with negotiated terms.
- 6
- Support through credit approval, financial close, disbursement, and post-disbursement advisory.
Islamic Finance Advisory
Islamic finance is the fastest-growing pool of capital in the world, and Africa, carrying a Muslim population of more than 630 million, is its most active frontier. Across East, West, North, and Southern Africa, and the Indian Ocean, regulators are moving deliberately to enable this market. What remains absent is a transaction advisory partner able to carry a Shariah-compliant deal from concept to disbursement, anywhere on the continent, with the same discipline applied to any other mandate, and with direct access to the two capital pools that matter most, the GCC Region and the Islamic finance hubs of the Organization of Islamic Conference. TAM’s Islamic Credit & Finance Advisory service is the only partner you need.
Why Now?
Shariah-compliant transaction advisory across every region of Africa, delivered within TAM’s established mandate discipline.
A Continent Without a Platform
Across East, West, North, and Southern Africa, and the Indian Ocean, no single transaction advisory platform offers a client-side mandate desk spanning every region.
Two Hemispheres of Capital
Liquidity from the Islamic banks and GCC institutional partners, and increasingly from Malaysia’s and Indonesia’s Islamic capital markets, the two largest pools of Shariah-compliant capital in the world.
Islamic Private Credit, a New Frontier
The fastest-growing and most privately-negotiated segment of global Islamic finance maps directly onto the kind of mandate-based transaction advisory TAM already delivers.
Regulatory Momentum Outpacing Advisory Capacity
From Nairobi to Lagos to Casablanca, regulators are opening new pathways for Islamic finance faster than the continent’s advisory infrastructure is expanding to serve.
Shariah-Compliant Instruments We Structure
Each instrument below is structured, negotiated, and documented within TAM’s existing mandate discipline, exclusive client-side representation, no brokerage, no lender liability, applied to Shariah-compliant credit sourced globally. Indicative transaction sizes are for orientation only; every mandate is scoped individually.
Sukuk
Islamic Capital Markets Instruments · Asset-Backed Investment CertificatesSukuk are investment certificates that work like bonds but are backed by real, income-generating assets. Investors earn returns from what the asset produces from genuine operations, not from interest. Global Sukuk demand oversubscribes new African issues multiple times.
Murabaha
Cost-Plus Trade & Asset FinancingThe financier buys the goods or equipment you need and sells them to you at cost plus a pre-agreed, fixed profit margin, paid in instalments. You know the total cost on day one; it never changes.
Ijara
Shariah-Compliant LeasingThe financier owns the asset and leases it to you; you use it and pay lease (rent). Structured either as a pure operating lease or as lease-to-own, where every payment builds toward full ownership.
Musharakah
Joint-Venture Equity FinancingA true partnership: you and the financier both contribute capital to the project, share profit in an agreed ratio, and share losses in proportion to what each side puts in.
Mudarabah
Profit-Sharing Growth CapitalThe investor provides the capital; you provide the expertise and run the business. Profits are split by a ratio agreed upfront; financial losses absorbed by the capital provider unless caused by negligence.
Private Credit
Privately Negotiated CreditsFinancing negotiated directly and confidentially with institutional investors, built from Islamic contracts, entirely outside public markets — the fastest-growing segment of global Islamic finance.
What TAM Brings to Every Mandate
Our Advisory CapacityTAM delivers the full advisory chain that carries a Shariah-compliant deal from first conversation to disbursement:
- Match-making between clients and Islamic financing institutions globally
- Credit identification and instrument selection advisory
- Deal structuring in accordance with Shariah and market standards
- Term sheet reviews, and terms advisory exclusively covering the client side
- Deal placement with Islamic banks, sovereign wealth funds, DFIs, and institutional investors with particular focus on GCC and the Organization of Islamic Conference
- Legal documentation review and post-implementation support.
Islamic Finance — Frequently Asked Questions
Is Islamic finance only for Muslims?
No. Islamic finance is open to every business and government, regardless of faith. Many of the world’s largest Sukuk buyers are conventional institutions, and non-Muslim borrowers routinely choose these structures for their asset-backed discipline, fixed costs, and access to Gulf and Southeast Asian capital pools that conventional instruments cannot reach.
If interest is prohibited, how does the financier earn a return?
Through the real economy rather than lending money at interest: a fixed profit margin on goods actually bought and sold (Murabaha), rent on an asset actually owned (Ijara), or a share of profits actually generated (Mudarabah, Musharakah). Your total cost is agreed upfront and documented — often more predictable than a floating-rate loan.
What size of transaction qualifies for a TAM Islamic finance mandate?
Indicatively from around US$ 1 million for trade Murabaha up to US$ 500 million and beyond for sovereign and corporate Sukuk. The ranges shown on each instrument are for orientation; the honest answer is that bankability matters more than size, and every mandate is scoped individually before engagement.
Who certifies that a transaction is genuinely Shariah-compliant?
Independent Shariah scholars and boards — not TAM. TAM structures the transaction to recognised standards (AAOIFI and the practices of the financing institutions involved) and coordinates the Shariah review and certification as part of the mandate, so compliance is verified by parties with no commercial stake in the deal.
How long does it take to close an Islamic financing?
Trade Murabaha and Ijara facilities can close in weeks once documentation is ready. Privately negotiated Islamic credit typically runs two to five months. A full Sukuk issuance, with its SPV, legal, and possible rating workstreams, generally takes four to nine months. Preparation quality is the single biggest driver of speed — which is precisely what the TAM mandate is built to deliver.
Which countries and currencies does the service cover?
Every region of Africa — East, West, North, and Southern Africa, and the Indian Ocean — with capital sourced from Africa, the Gulf Cooperation Council, and the Islamic finance hubs of Southeast Asia. Transactions can be structured in US dollars, in major regional currencies, or in local currency where domestic capital markets allow.
How does the TAM mandate work?
Exactly as it does for conventional transactions: exclusive client-side representation under a defined mandate — no brokerage, no lender liability, no moral hazard. TAM prepares, structures, negotiates, and supports the transaction through to disbursement, answering to you and only to you.
One client-side mandate. Shariah-compliant capital sourced and deployed into bankable transactions.
Request Islamic Finance Mandate- A disciplined and non-exclusive outreach across multilateral, international, and regional financial institutions on commercially reasonable effort and on a non-circumventive basis.
- The Advisory Mandate is delivered within a clearly defined institutional framework to preserve independence and maintain integrity.
Exclusive Client-Side
All advisory services are provided exclusively to the client.
Institutional Independence
Financing institutions retain full control over credit process.
No Brokerage
The mandate does not involve any commission-based activities.
No Lender Liability
No fees, obligations, or any liabilities on any financing institution.
Limited Interaction
Engagement is limited to standard credit protocols.
No Moral Hazard
No prior endorsement of client credit worthiness of any kind.
- Client-facing mandate document.
- Mutual confidentiality Agreement.
- Client principal onboarding document.
- Formal engagement terms agreement.
- Lender information note.
- For general and technical information.
Office: +25478786492
Mobile: +254728864922
Email: contact@arcoired.org
inquiries: info@arcoired.org
Location:
Muthangari, Lavington