AL HAIL ORIX FiNANCE PSC

Transcription

1 AL HAIL ORIX FiNANCE PSC

2 B R I N G I N G T H I N G S T O G E T H E R Al Hail ORIX Finance PSC is a joint venture between Al Hail Holdings LLC and ORIX Corporation Japan. Established since 2002, the Company is licensed and regulated by the Central Bank of UAE. With its head office in Dubai and branches in Abu Dhabi and Sharjah, the Company provides financing for movable assets to all productive sectors in the UAE including industrial, healthcare, construction, medical, logistics, marine, power & energy, food & beverage, oil & gas with particular emphasis on small and medium sized enterprises (SMEs). It also provides invoice & cheque discounting, commercial mortgage, rent finance, fit out finance and marine finance solutions. The Company also offers corporate deposit solutions to its customers. Al Hail ORIX Finance is led by a team of dedicated professional staff with special expertise in lease financing and has a strong network with local suppliers and ORIX Corporations associates worldwide. Since inception the Company has catered to the financial needs of over 1500 companies based all over UAE. In 2014, the Company was awarded the Dubai Chamber of Commerce s CSR Label for the Company s commitment to sustainability.

3 A L H A I L H O L D I N G Incorporated in 2006, Al Hail Holding is a leading investment company headquartered in Abu Dhabi. Al Hail Holding prides itself on a diverse portfolio across a wide category of sectors including investment & funds, financial services, healthcare, education, infrastructure, retail, real estate, communication, power & energy, technology and security. The company has made a substantial contribution to the diversification of the UAE economy and the development of government and private sector joint initiatives.

4 O R I X C O R P O R A T I O N ORIX Corporation was established in 1964 and is the largest nonbanking financial institution in Japan with assets in excess of US$ 95 billion. Its major business segments include the following: Corporate Financial Services Lending, Leasing & Fee Businesses Maintenance Leasing Automobile and IT equipment leasing & rentals Real Estate Real Estate Development, facility operations, rental & financing Investment & Operation Environment & energy related businesses Retail Life Insurance, Banking and Card Business Overseas Business Geographical reach in 36 countries through wholly owned companies and joint ventures ORIX has over 31,000 employees operating through 1,912 locations worldwide. The company is traded on the Tokyo and New York stock exchanges.

5 B E Y O N D B O R D E R S ORIX has a global network that spans 36 countries and regions outside of Japan, including the Americas, Asia, Oceania, Europe, the Middle East and Africa. Europe France Germany Ireland Luxembourg Netherlands Poland Spain Switzerland United Kingdom Middle East & Africa Bahrain Egypt Jordan Kazakhastan Lebanon Oman Saudi Arabia United Arab Emirates South Asia India Pakistan Sri Lanka South East Asia Indonesia Malaysia Philippines Singapore Thailand Vietnam East Asia Japan China Hong Kong South Korea Taiwan Mongolia Oceania Australia New Zealand Americas Brazil United States

6 O u R V I S I O N Al Hail ORIX envisages to be the number one financial services provider in the UAE and will compete with other financial institutions for patronage of the best corporate & retail customers. O u R M I S S I O N Al Hail ORIX Finance s mission is to continue its focus on the economic development of UAE through offering diverse range of financial products for Corporate, SMEs and the Retail segments coupled with its obligation to the social development of the country and the well-being of its citizens.

7 H E L P I N G Y O U R B U S I N E S S G R O W Equipment Finance Solutions Commercial Mortgage Solutions Invoice and Cheque Discounting Solutions Fit-out Finance Marine Finance Solutions Rent Finance Business Loans Corporate Deposits

8 E Q U I P M E N T F I N A N C E S O L U T I O N S Al Hail ORIX offers lease financing options on medium and long term basis for plant and machinery, heavy equipments, commercial/ non-commercial vehicles and office automation products. These also include the purchase of computer systems, plant & machinery, healthcare equipments, heavy equipments, and commercial or saloon vehicles. Equipment Finance Solutions from Al Hail ORIX are structured to give your business an opportunity to acquire movable assets without putting a burden on your cash flows. We approach each prospective lessee with individualized care and provide personal service to structure a lease according to the lessee s requirements. If you ve already purchased some capital assets, we can refinance those same assets and release cash back to you that would have ordinarily been tied up by the asset for a number of years. Through our sale and lease back transaction, we can increase the working capital available to your business, by releasing the cash value in the assets you already own. How does it work? Decide what assets your business needs After conducting a feasibility of your business, we buy the assets for you Without any restrictions on usage, we lease/rent the assets to you at a fixed monthly installment over an agreed time period (usually months) At the end of the lease period, the ownership of the asset will be transferred to you What kind of equipments can I finance? Plant & construction equipment Printing & other machinery Commercial vehicles Medical and diagnostic equipment such as MRI Scanners IT & Computer infrastructure Furniture & office equipment Key features of equipment finance Leasing available for all kinds of movable assets Ability to finance up to 90% of the asset value Lease terms of up to 5 years Dedicated Relationship Manager every step of the way

9 C O M M E R C I A L M O R T G A G E S O L U T I O N S At Al Hail ORIX, we understand how crucial positive cash flow is to commercial success. Which is why we have designed a range of warehouse mortgage products to specifically help companies like yours grow. Al Hail ORIX provides commercial mortgage finance for company s warehouses to Corporate and SME customers. Mortgage finance products available for Display & storage warehouses Packing & repacking warehouses Offshore warehouses Production cycle halls & cold storage warehouses Refinance opportunities also available Al Hail ORIX can provide refinance on any wholly owned warehouse or commercial premises. We pride ourselves on our extensive experience and expertise enabling you to ease your working capital requirements, thereby freeing you to focus on growing your business. Key product features Finance available for all industrial warehouses / buildings Competitive pricing Finance available on up to 70% of the asset value Mortgage tenure up to 6 years Flexible terms & conditions including securities Speedy and hassle free processing Less collateral Dedicated relationship manager every step of the way Benefits for you Access to additional sources of funding and new working capital Makes budgeting straight forward and positively impacts cash flow Refinance unleashes the value tied up in your fixed assets Requirements & criteria Audited financial statements for the past 3 years Last 6 months bank statements Legal documents (Trade license, passport copy, etc.) Company as well as management profile, and business details Warehouse property to be located in any free zone within the UAE and clear of any liens Valuation report of the commercial property

10 I N V O I C E A N D C H E Q U E D I S C O U N T I N G S O L U T I O N S With rising inflation and delayed payment, many businesses especially SME s have their finances stretched, which in turn hampers their growth. Alleviating these funding issues through invoice finance is becoming an ever more viable and attractive solution. Al Hail ORIX has been providing financial solutions to various industries over a decade. Invoice discounting and cheque discounting facilitates future business expansion, better management of sales ledgers and assists in collection activities. Key features of invoice discounting Sales ledger (receivables) management Reduce administrative costs Improve receivable turnaround Improve accounting Generates MIS reports specific to buyers, reconciliation time is reduced Financing/funding against invoices Elimination of long billing cycles Flexible cash flow to meet working capital requirements No new debt created preservation of key financial ratios Scope for additional business and payoff of suppliers Benefits of invoice discounting Finance up to 90% of the value of receivables Credit period is aligned with the debtor s payment cycle and primarily based on the quality of receivables and pay-master Releases cash locked in receivables No collateral security is required Key features of cheque discounting Sales ledger (receivables) management Systematic report generation & maintenance of records Business forecast Procurement planning Financing/funding (prepayment) against post dated cheques Flexible cash flow Elimination of long billing cycle Easy cash with minimum documentation Benefits of cheque discounting to the client Credit is primarily based on the quality of receivables and pay-master Finance up to 90% of the value of cheque Releases cash locked in receivables No collateral security is required

11 F I T O U T F I N A N C E Your store/restaurant is as much a part of your business and identity, as the products you sell. So presenting that stock in an attractive environment will help you build your sales and increase your bottom line. Traditional banks don t always understand the unique dynamics of retailing and thats where we come in. Al Hail ORIX truly understands retail, successfully servicing the needs of businesses like yours for over 10 years. We know that you need to be waiting on your customers rather than waiting in queues at the bank. Which is why our retail finance experts will come to visit you, at your own premises, to gain a full understanding of your business and needs. We understand that quality shop fitting comes at a price but when done correctly, it surely has a positive impact on customer visits, dwell time and most importantly of all, on your sales. Simply put, our fit-out finance options represent an investment in your business, putting you on a sure footing from the first day you open your doors. Depending on the size of your space and what it is you sell, the specific requirements of your fit out will vary. The following items are some of the most commonly required when fitting out a new shop or refurbishing an existing retail outlet: Shop fixtures and furnishings Display fixtures appropriate to the products you sell Cabling & lighting, ceilings & air conditioning Counters & point of sale Computers & IT Equipment Cash registers and EPOS equipment Security systems and CCTV Key features of fit out finance Finance up to 90% of the fit out cost Flexible lease periods up to 5 years Additional insurance solutions also on offer Personalised service Why finance your fit out? Free up capital for additional stock, inventory or other requirements Makes budgeting straight forward and positively impacts cash flow

12 M A R I N E F I N A N C E S O L U T I O N S Maybe you re considering a state-of-theart powerboat. Perhaps your company has decided to acquire a crew carrier. Whatever the requirement, Al Hail ORIX has the expertise to tailor a financial package to suit that requirement. Al Hail ORIX provides Marine Finance facilities for corporates and individuals with offices across the UAE; including a Dubai-based head office and a branch network in Sharjah and Abu Dhabi. Marine financing available for Yachts & boats Crew carriers Tug boats Refinance available Already own a crew carrier or a work boat? We can still refinance the same to ease out your working capital needs while you grow your business. Key product features Finance available for a vast range of marine vessels Competitive pricing, quick processing Flexible terms & conditions Finance available up to 80% of the asset value for upto 5 years Dedicated relationship manager every step of the way Requirements & criteria (corporate) Company management profile Legal documents (Trade license, passport copy, etc.) Company must be a legally established entity within UAE Healthy and active bank statements Audited financials for the past 3 year Last 6 months bank statements Company s length of operation to be at least 3 years Company s financials must be audited and in profits Requirements & criteria (retail/individual) Passport and visa copy Emirates I.D. Salary certificate NOC from employer U.A.E. nationals / U.A.E residents Minimum salary requirements AED 30,000 Minimum deposit - 20% 12 months minimum employ

13 R E N T F I N A N C E Rent Finance scheme takes care of your rent burden. You can now convert your quarterly/ semi-annual/annual rental payments into convenient, easy and manageable monthly repayment installments. No more stress of ensuring that sufficient funds are available for annual rental agreements. This product is available for both corporates and individuals. Eligibility All companies in the UAE All individuals based in the UAE (for past 2 years) Key features Tenor 12 months Rent financing of AED 100,000 and up Straight forward and easy application process Dedicated relationship manager to guide you every step of the way. What documents do I need to apply? Trade license copy Bank statements (6 months) Audited financials (last 3 years) Valid passport copy with visa page (individuals) Valid Emirates ID copy (individuals) Salary certificate (individuals) How this benefits you? Helps you channel your existing credit and finance facilities to meet more pressing requirements like working capital

14 B U S I N E S S L O A N S SME Business Loans From Al Hail ORIX A successful business requires committed ownership, strong business concept, and financing strategy to grow and thrive. Using personal finance may not always be a viable option. This is where Al Hail ORIX comes in. For more than a decade, Al Hail ORIX has been providing innovative SME business loan products to companies just like yours. Like you, we understand that steady cash flow is the pre-requisite of any organization. And yet unlike many of the banks and other financial institutions, we go that extra mile to truly identify your needs. This is why our team of experienced professionals is always on hand to provide solid practical advice, underpinned by our obsession for exemplary customer service. Nurturing growth In today s rapidly changing business environment a small business loan from Al Hail ORIX can be an invaluable injection for entrepreneurs like you to expand your operations and further your company s ambitions. With loan tenures of 48 months, available up to AED 500,000, we have a flexible and pragmatic loan offering tailored specifically to your needs. Key product features Flexible tenures ranging from months Loan amounts from AED 100,000 AED 500,000 Straightforward, hassle free approval process Dedicated relationship manager to guide you every step of the way How this benefits you One of the fastest means of raising additional capital for business growth Loans are structured to your individual needs Loans amounts are free to be utilized in whichever manner you choose Helps cash flow, giving you the freedom to focus on business rather than finances.

15 C O R P O R A T E D E P O S I T S Successful organizations manage their liquidity by deploying it strategically to maximize their returns. If your organization is looking to earn attractive returns on your surplus liquidity, Al Hail ORIX has established a Corporate Deposit scheme, to help you manage your excess funds, earn attractive returns and maintain access to your liquidity. Regulated by the Central Bank of UAE, Al Hail ORIX offers Corporate Deposits for varying tenors and interest rates that provide you flexibility in managing your liquidity. Al Hail ORIX is regulated by the Central Bank of the UAE, ensuring that it maintains sufficient liquidity as well as a strong capital base. This allows Al Hail ORIX to meet all of its financial commitments and continue investing in its existing business model. Furthermore, Al Hail ORIX is proud of its long-standing relationships with prominent regional banks which help ensure stability in our liquidity and capital structure. How does it work? Terms and conditions will govern the deposits accepted by Al Hail ORIX from corporate customers. The key aspects are highlighted below: Minimum deposit amount of AED 500,000 Tenor from 6 months 5 years Early termination of the deposit is allowed subject to terms and conditions Are the interest rates fixed for the tenor of the deposit? The interest rate will be communicated to the customer at the time of taking a deposit and will remain fixed during the tenor. However, if there is an early termination by the customer then the interest rate paid on the deposit will be reduced by 1% per annum. How will I withdraw my deposit at maturity? The corporate customer, at the time of placing the deposit will mention the instructions to be followed at maturity. Al Hail ORIX will then transfer the funds to the customer s bank account. Deposits can be withdrawn by giving notice of 10 business days. In such cases the interest to be paid will be reduced by 1% per annum. Requirements & criteria Account opening form Chamber of Commerce and Industry Membership Certificate Trade license copy Memorandum and Articles of Association Certificate of Incorporation Passport and Emirates ID copy of the beneficial owners and authorized signatories Document providing the authority to open and operate accounts with Al Hail ORIX

16 C O N T A C T U S Dubai 4th Floor, Emaar Square Building No. 6, Burj Khalifa Community, Dubai Tel: , Fax: Sharjah Crystal Plaza, Ground Floor Unit No , Sharjah Corniche Tel: , Fax: Abu Dhabi Office No. 502, Al Jazeera Tower A, Al Jazeera Tower Club and Football Stadium Tel: , Fax: info@alhailorix.ae

17 Al Hail ORIX Finance Al Hail ORIX Finance PSC