Principal at Shorooq Partners
Check size: No Joseph-specific debt ticket is public. Shorooq's credit fund announcements and borrower financing totals are strategy or transaction figures, not his personal range. Borrowers should confirm current fund, minimum EBITDA or revenue, instrument, tenor, pricing, security and geography directly.
Joseph evaluates non-dilutive and structured capital for technology and growth companies in the GCC and wider region. His SHUAA private-credit experience and earlier BII fund and co-investment work across infrastructure and climate point to a lender's lens: recurring cash generation, downside protection, a defined use of proceeds, repayment visibility, covenant capacity and alignment with equity sponsors and management.
Present this as a credit request: borrower and jurisdiction, recurring revenue and EBITDA, historical and projected cash flow, existing debt and security, capitalization, requested amount and instrument, use of proceeds, tenor, amortization, collateral, covenants, sponsor support, downside case and repayment or refinancing path. Do not send a seed-equity deck alone.
Predictable revenue and cash conversion, a clear debt-service path, strong sponsors, disciplined reporting, defensible assets or contracts, prudent leverage, a specific use of proceeds, downside protection and management teams that understand covenants and liquidity planning.
No public personal pass list exists. Credit red flags include pre-revenue equity risk presented as debt, no repayment source, weak cash forecasting, excessive leverage, unclear security, unresolved senior claims, governance gaps, use of proceeds that only funds indefinite burn and teams unwilling to provide timely financial reporting.
Underwrite cash available for debt service across base and downside cases, including interest, amortization and covenant headroom.
Match instrument and tenor to a specific cash-generating use rather than using short-duration debt to finance indefinite operating burn.
Map seniority, collateral, guarantees, covenants, information rights, sponsor support and recovery paths.
Route high-uncertainty product and market risk to venture equity; use credit where repayment visibility and contractual protection are credible.
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