GFH's Private Credit platform provides Shariah-compliant alternative credit to mid-market corporates and projects across the GCC. Every transaction is anchored by rigorous credit analysis, robust collateral, and a clear path to repayment, with a focus on capital preservation and consistent, risk-adjusted income through economic cycles. The platform is complemented by Khaleeji Bank, GFH's wholly owned commercial banking subsidiary, which extends the Group's reach across consumer finance, corporate banking, private banking, and treasury.
Platform
Equity-Linked Private Credit
A sophisticated financing strategy that bridges the gap between traditional debt and equity and is designed for businesses at pivotal moments of growth, transformation, or ownership transition.
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Real Estate Credit & Structured Debt
Real estate credit is underwritten by senior and structured lending strategies backed by high-quality, income-producing real estate assets, designed to deliver stable and predictable returns.
Banking
Commercial Banking: Khaleeji Bank
GFH’s commercial banking subsidiary provides retail, corporate and investment banking services across Bahrain. The bank demonstrated significant financial strength in 2025, operating as a 82.95% owned entity of the Group. The bank reported a robust total income of BD 20.2 million for the fourth quarter of 2025, supported by a solid capital base with shareholders’ equity reaching BD 134.27 million.
Core Investment Principles
The Private Credit platform is guided by a conservative and institutional credit philosophy:
- Capital Preservation – Downside protection through collateral, covenants and structuring.
- Cash-Yielding Focus – Preference for periodic income-generating investments
- Strong Counterparties – Experienced sponsors, proven operators, or essential assets.
- Defensive Sectors – Emphasis on resilience through economic cycles.
Risk Management & Governance
Risk management is embedded throughout the full life cycle of every transaction. Each opportunity undergoes comprehensive credit, legal, risk and Shari’a review and must meet clearly defined eligibility and investment criteria. This process ensures consistency, transparency, and alignment with GFH’s broader risk framework.
Our Geographic Focus
Our main focus is primarily on the GCC, where GFH maintains well-rooted relationships, regulatory familiarity, and sourcing advantages. We also pursue select opportunities in the United States and Europe, typically where transactions are sponsor-backed, asset-secured, or offer strong contractual cash flows.