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FINLOBYSECURE ADVISORY UPLINK

"We Help Repair The Past So You Can Build your Future"

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info@finloby.com+971 50 704 9193
Finloby ShieldFINLOBY
Commitment | Trust | Confidentiality
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Finloby ShieldFINLOBY
Commitment | Trust | Confidentiality

Institutional debt restructuring, complex commercial facilities, international business setup, and legal defense services for high-profile clients and global corporations.

Headquarters

Al Ameri Business Tower, Office Suite #21-02, Barsha Heights,
Tecom - Dubai Media City,
Dubai, UAE

Central Registry

  • +971 50 704 9193
  • info@finloby.com

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Debt SolutionsLoans & FacilitiesBusiness SetupInvestmentsLegal AssistanceAbout Us
Data Security & Non-Disclosure Directive (NDA)

FINLOBY operates under strict regulatory compliance parameters governed by the UAE Central Bank directives and UAE Federal Decree-Law No. 45 of 2021 on Personal Data Protection (PDPL). All client files, debt restructuring accounts, commercial facility proposals, and corporate setup logs are subject to absolute, legally binding Non-Disclosure Agreements (NDAs).

Pursuant to UAE local financial advisory regulations, we enforce absolute file confidentiality protocols utilizing zero-knowledge cryptographic transmission and isolated network storage. No financial telemetry or identity logs are shared with external credit registers, corporate registries, or cross-border entities without explicit sovereign assignment of authority.

Security Parameter MatrixACTIVE
NDA Requirement:
Mandatory / Pre-Dialogue
Cryptographic Cipher:
AES-256 E2EE
Confidentiality Level:
Absolute / Private Client
Regulatory Frame:
UAE Federal PDPL / CBUAE
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Pillar II

Commercial Facilities &
Structured Loans

Accelerate your corporate operations and protect your assets. We structure institutional finance, retail credit, and mortgage lines through preferred relationships with tier-1 UAE banks.

Facility Classes

Personal Finance Facilities

Salary Transfer Loans (STL)

A Salary Transfer Loan (STL) is the most traditional and cost-effective personal finance option in the UAE. Under STL structure, the client shall commit to transfer the monthly salary account directly to the lending bank. Because the bank has a guaranteed source of repayment, STL loans offer the lowest possible interest rates, higher finance amounts, and flexible tenures of up to 48 months (as mandated by the UAE Central Bank).

1
Review of Profile & Documents

We thoroughly review the client's personal and employment profile along with all required documents in order to evaluate all liabilities for further procedures.

2
DBR & Central Bank Compliance Check

We calculate your exact Debt Burden Ratio (which cannot exceed 50% of your gross income per UAE Central Bank rules) to ensure your application passes automated bank filtering.

3
Eligibility & Compatibility Check

We assess a client's eligibility for the maximum required loan amount across compatible financial institutions by analyzing the client's profile and salary structure.

4
Optimal Bank Matching

Based on the client's consensual authority,we pitch the client's profile to the specific banks offering the lowest reducing interest rates.

5
Salary Transfer Letter Assistance

Post soft approval from the institute, Our team assists clients in obtaining a compliant Salary Transfer Letter from the HR department that matches the specific criteria of the target financial institution, ensuring an error-free submission to the institute.

6
Loan amount disbursal

Our Team assists the client till the approved loan amount is disbursed from the concerned financial institution.

Non-Salary Transfer Loans (Non-STL / Post-Dated Cheque Loans)

A Non-Salary Transfer Loan (Non-STL) is designed for individuals who are seeking loan and want to keep their existing salary account intact. Based on your salary, repayment is secured using Post-Dated Cheques (PDCs) or direct debit instructions from your current bank.

1
Review of Profile & Documents

We thoroughly review the client's personal and employment profile along with all required documents in order to evaluate all liabilities for further procedures.

2
DBR & Central Bank Compliance Check

We calculate your exact Debt Burden Ratio (which cannot exceed 50% of your gross income per UAE Central Bank rules) to ensure your application passes automated bank filtering.

3
Eligibility & Compatibility Check

We assess a client's eligibility for the maximum required loan amount across compatible financial institutions by analyzing the client's profile and salary structure.

4
Optimal Bank Matching

We pitch the client's profile to the specific banks offering the lowest reducing interest rates.

5
Security Cheque

Once soft approval is obtained from the financial institution, a security cheque and Direct Debit Authority (DDA) is supposed to be submitted to the concerned financial institution.

6
Loan amount disbursal

Our Team assists the client till the approved loan amount is disbursed from the concerned financial institution.

Buy-Out Loans (Consolidation Loans)

A Buy-Out Loan is a specialized debt consolidation facility where a new bank pays off all client’s existing liabilities once approved such as outstanding credit cards, personal loans, or car finance across multiple banking and financial institutes and combines them into one single loan.

1
Review of Profile & Documents

We thoroughly review the client's personal and employment profile along with all required documents in order to evaluate all liabilities for further procedures.

2
DBR & Central Bank Compliance Check

We calculate your exact Debt Burden Ratio (which cannot exceed 50% of your gross income per UAE Central Bank rules) to ensure your application passes automated bank filtering.

3
Eligibility & Compatibility Check

We assess a client's eligibility for the maximum required loan amount across compatible financial institutions by analyzing the client's profile and salary structure.

4
Optimal Bank Matching

We pitch the client's profile to the specific banks offering the lowest reducing interest rates.

5
Liability Letter Processing

We guide clients to coordinate with current banks to ensure the client gets accurate, timely Liability Letters with the correct payout figures.

6
Security Cheque

Once soft approval is obtained from the financial institution, a security cheque and Direct Debit Authority (DDA) is supposed to be submitted to the concerned financial institution.

7
Central Bank Settlement Alignment

We review the strict timeline between getting your liability letters and securing the buyout funds to prevent the letters from expiring.

8
Liability Closure & Clearance Tracking

Once the buyout is approved, we don't just stop there. We guide you through obtaining your final Clearance Letters from your old banks and ensuring your AECB credit report updates correctly to show the old accounts as closed.

9
Loan amount disbursal

Our Team assists the client till the approved loan amount is disbursed from the concerned financial institution.

Leveraging private institutional allocations and direct credit lines for preferred pricing.
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