Mohamed Hani MH Credit Advisory

Financing files for small and medium enterprises, from Cairo to anywhere in Egypt

Your business is stronger than your financial statements show.

Many SME loan requests are declined not because the business is weak, but because the file doesn't give the lender what it needs to say yes. I spent years inside banks reviewing those files. Now I prepare them for business owners, so the lender sees your business clearly.

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Mohamed Hani, founder of MH Credit Advisory
Mohamed Hani, Founder and Principal

Why good businesses get declined

  • The statements don't tell the story

    Figures are incomplete, inconsistent, or laid out in a way a credit analyst can't assess quickly.

  • There's no clear cash flow picture

    The bank can't see how the loan will be repaid from the business's own income.

  • The request doesn't fit the business

    The amount, term or type of financing doesn't match how cash actually moves through the company.

What you receive

A complete, professionally presented file for any bank, leasing company or non-bank lender, built from your real figures.

Financial statements
Your income statement, balance sheet and cash flow, rebuilt where needed and organised to the standard lenders expect.
Cash flow projections
A clear view of how the business will service and repay the facility you are requesting.
Business profile
Your company, market, customers and management, presented so a credit reviewer understands the business behind the numbers.
The loan request file
The complete package, with the supporting analysis a reviewer looks for without having to ask.
Financing advice
The right type, amount, term and repayment structure for how your business actually works.

How it works

  1. Send a WhatsApp message

    Tell me briefly about your business and the financing you need.

  2. We talk it through

    We discuss your situation and whether I can help. Conversations are always free.

  3. You share your information

    Your accounts, bank statements and business details. I ask the questions a bank would ask.

  4. I prepare the file

    Statements, projections, business profile and the full loan request, usually within one to two weeks once your documents are complete.

  5. We review it together

    We go through everything before it is used, so you understand and agree with every figure.

  6. You submit to your lender

    Where it helps, I can also recommend suitable lenders and support the submission.

Why work with me

Before founding MH Credit Advisory in 2021, I spent more than a decade in banking and leasing. I wrote credit memoranda, defended them in credit committee, and designed the SME credit scoring model adopted by National Bank of Kuwait. I know what a lender looks for because I was the one looking.

  • 11yrs inside banks, leasing companies and non-bank lenders in Egypt before founding MH Credit Advisory, within a 20-year finance career
  • EGP 600MM in SME & Corporate financing requests prepared since 2010
  • 40of c. 50 clients secured financing from banks and leasing companies, mainly in trading, food and beverage and manufacturing
  • EGP 20–200MM the range of facilities I structured inside banks, leasing companies and non-bank lenders

Common questions

Can you guarantee my loan will be approved?

No. The lender makes the final decision, and anyone who promises approval isn't being honest with you. What I can do is make sure your file is complete, clear, and gives your business its best fair chance.

Will you change my numbers to make the business look better?

No. Every file is built from your real figures. The work is presenting them accurately and clearly. That is what lenders trust, and it is what protects you.

What do I need to prepare?

Everything needed to prepare your financial statements. Typically that means your commercial register and tax card, financial statements or accounting records for the last two to three years, six to twelve months of bank statements, and details of any existing loans. If some records are missing, tell me and we will work out what is possible.

How long does it take?

Usually one to two weeks from the moment your documents are complete. The more complete your files are at the start, the faster it goes.

How are fees charged?

A fixed fee for each finished file, agreed before any work begins. We both sign a contract in Arabic and English that sets out exactly what is included. Conversations before that are always free.

Is my business the right fit?

I work with small and medium enterprises as the Central Bank of Egypt defines them: companies with annual sales from EGP 1 million up to EGP 200 million. Most of my clients are in trading, food and beverage and manufacturing, with a business that has grown faster than its financial reporting. If you are unsure where you fit, message me and I will tell you honestly.

Which lenders do you work with?

All of them. The work centres on your financial statements, so it applies whether you are approaching a bank, a leasing company or a non-bank lender.

Do you work with businesses outside Cairo?

Yes. I work with clients across Egypt, online or at your premises.

Contact

Let's look at your financing request.

Whether you are preparing a new request or a bank has already declined you, send me a message describing the situation.

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