Sustainable finance, from the lender's side.
Capital follows proof.
Most good projects in Egypt are not short of money. They are short of a file a credit committee can approve.
Need a file a lender will approve? Send me what you received.
Start where you are
Writing
Guides
Latest essays
Method
The Proof Note
A bankability review in the order a credit committee reads: eligibility, environmental and social risk, carbon data and the credit file. It ends in a note with the conditions to close, the documents that close them, and the standard behind each.
- Company bankability reviewExporters, factories, SMEs and mid-caps seeking green or DFI-backed finance, or selling to EU buyers.
- Project bankability reviewDevelopers, hotels, factories and building owners financing a green building, solar, or an equipment upgrade.
- Institution readiness reviewLeasing, microfinance, factoring, mortgage and consumer finance companies preparing for a DFI line or the regulator.
Conditions to close
What do you need from me?
- CP 1
You need a file a credit committee can approve.
Advisory in a personal capacity, after a conflicts check. Scope agreed in writing, fee quoted after a first call.
- CP 2
You need a speaker from the lender's side.
Talks in English or Arabic, built on a worked example and public standards.
- CP 3
You need a line you can quote.
Bios ready to paste, lines you can quote, citation and press photo.
- CP 4
You need the record.
IFC EDGE Expert. EBRD and IFC credit lines, Cairo. MSc Business Analytics, Universiti Sains Malaysia.
Guides, checks, toolkit and newsletter are open to everyone. Advisory is paid work in a personal capacity: scope agreed in writing, fee quoted after a first call.
The argument
A lender does not finance a project. It finances evidence about a project: that it is eligible, that its risks are managed, and that its numbers hold on a bad day.
Development finance credit lines, CBAM and the new disclosure rules have raised the standard of that evidence. Most borrowers meet it late, after the credit committee has asked.
Built early, the same evidence shortens approval, protects margin with EU buyers, and turns a green label into something that survives scrutiny.
Newsletter
Condition Precedent
What the credit committee reads first: a letter from the lender's desk, and every piece ends with the tool behind it. Condition Precedent comes out every Tuesday in English. The Arabic edition, الشرط المسبق, comes out on Tuesdays every two weeks at first.