KHAYYAT CONSULTING HOUSE · AMMAN

WE KNOWWHAT MOVESA DECISION.

An integrated advisory team on your side of the table — across capital, transactions, growth and institutional execution.

BANKING & CAPITALINVESTMENT & TRANSACTIONSBUSINESS DEVELOPMENTMARKET READINESS
02HOW WE SEE IT

A bank sees risk. An investor sees return. A founder sees the future.

We see the decision holding all three together.

THE SECOND READING

One business. Four readings.

A decision becomes clearer when you understand what the other side needs to know.

ILLUSTRATIVE SITUATION

A family-owned manufacturer wants to expand production and is considering bank financing or an equity partner. The ambition is clear. The case still needs to be examined.

01 / The owner

We are ready to grow.

The owner sees an opportunity to increase capacity and build the next chapter of the business. The expansion must also fit the family's priorities, resources and willingness to share control.

THE QUESTION THAT MATTERS

What are we prepared to commit—and what must remain in our hands?

02 / The bank

What will repay the financing?

The bank needs to understand how the investment turns into cash, when repayments begin, and what happens if sales arrive later than expected.

THE QUESTION THAT MATTERS

Can the business meet its obligations while the expansion takes shape?

03 / The investor

What makes this worth backing?

An equity partner examines the commercial opportunity alongside valuation, governance, ownership rights and the route to realising value.

THE QUESTION THAT MATTERS

What are we investing in, on what terms, and with what decision rights?

04 / The KCH reading

The funding question is only the beginning.

Before approaching a counterparty, the expansion case, ownership priorities and financing requirement need to tell one coherent story. KCH connects the questions and defines the order of work.

  1. 01Test the expansion case
  2. 02Clarify ownership and authority
  3. 03Structure the funding requirement
  4. 04Prepare the decision materials
  5. 05Support negotiation and execution
Explore the connected mandate
START WITH THE SITUATION

You do not need to know which service you need.

Tell us what is happening, whatever your sector. These situations are starting points; we shape the assessment around your business, objectives and circumstances.

THE ROUTE FORWARD

I need financing

Turn your financing need into a credible credit proposal, with the business case, repayment capacity and supporting materials prepared for bank assessment.

See how KCH approaches it
WHAT WE DO

Four practices. One accountable relationship.

KCH brings together an integrated team of experienced specialists in finance, investment, strategy and business development, with expertise across sectors and markets including Canada and Europe. The needs of each engagement determine which specialists work together on the client’s case.

THE RECORD

Experience in building and leading.

From Rami Ziad Khayyat’s professional career, before founding KCH in 2024.

30+YEARS

Banking, credit and investment across conventional and Islamic institutions.

$1.6BPRIOR CAREER PORTFOLIO

Corporate portfolio he led in developing from near zero over approximately 14 years before founding KCH.

CEOACTING APPOINTMENT

Appointed Acting CEO by the Board of Directors, with delegated responsibilities.

4MARKETS

Professional experience across Jordan, Saudi Arabia, the UAE and Iraq.

THE OTHER HALF OF THE DECISION

Numbers establish the case.
Credibility carries it further.

A company seeking finance, investment, partnership, acquisition interest or market access is assessed on more than its financial statements. The materials keep speaking after the meeting ends.

Explore institutional & market readiness
HOW WE WORK

We do not hand over a report and disappear.

The work continues into execution.

01

UNDERSTAND

The business. The numbers. The real constraint.

02

ASSESS

What is possible, at what cost, in what sequence and with whom.

03

STRUCTURE

The case. The terms. The preparation for bank assessment.

04

NEGOTIATE

Directly with banks, institutions and relevant counterparties.

05

EXECUTE

Through agreement, drawdown, implementation and stabilisation.

THE FOUNDER

Judgement built inside the institutions clients negotiate with today.

Rami Ziad Khayyat is a senior banking executive and advisor whose career spans more than three decades across conventional and Islamic banking, corporate credit, investment and consulting in Jordan, Saudi Arabia and the UAE.

Read the founder record
Hala Hijazi

Hala Hijazi

KCH representative in Canada, the USA and Europe. Hala brings financial strategy, technology and creative direction through Hala Hijazi Studio and her multidisciplinary team.

Meet Hala and her team ↗

Ziad Khayyat

Qatar & the Gulf · Strategic initiative delivery, business analysis and commercial development.

Meet Ziad ↗
Company Profile 2026

The complete KCH record, in one document.

Banking, investment, business development, institutional readiness, the founder record and regional reach.

WHO WE WORK WITH

Different clients. The same decision discipline.

Corporations & GroupsFamily BusinessesBanks & Financial InstitutionsInvestors & FundsIndustrial & ManufacturingFounders & Leadership Teams
WHERE WE WORK

Regional judgement.
International reach.

JordanHome market
IraqCross-market relationships
GCCZiad Khayyat represents KCH in Qatar and the Gulf, alongside the firm’s established Saudi Arabia and UAE experience.
Syria & the LevantSelected mandates
East & West AfricaSelected opportunities
Canada, USA & EuropeHala Hijazi represents KCH in Canada, the USA and Europe, supported by her multidisciplinary team at Hala Hijazi Studio.
START
START WITH THE SITUATION

Financing. Debt pressure. Expansion. Governance. Investment.
Or the problem that has not been named yet.

THE FIRST CONVERSATION / 01

I need financing

Build a bankable credit proposal.

Every sector and business calls for a different assessment. The areas and documents below are examples; we agree the questions, information and scope with you case by case.

Areas we may explore

  • The business model, sector and purpose of the funding
  • Cash-flow assumptions, repayment capacity and existing commitments
  • Gaps in the financial evidence and how the proposal is presented

Information we may request

  • Financial statements and cash-flow projections
  • A company or project presentation
  • Receivables ageing, existing facilities and other supporting records relevant to the case

A possible first deliverable

A credit proposal prepared for bank assessment, with a clear funding purpose, repayment case and supporting evidence tailored to the business.

Start with what you have. We will identify what is relevant and help prepare any missing materials within the agreed scope.

KCH prepares credit proposals and supporting documents for submission to banks. Financing approval, terms and disbursement remain the lender’s decision; KCH does not guarantee financing.

THE FIRST CONVERSATION / 02

Debt is becoming a problem

Understand the pressure before changing the terms.

Every sector and business calls for a different assessment. The areas and documents below are examples; we agree the questions, information and scope with you case by case.

Areas we may explore

  • Immediate cash pressure and repayment commitments
  • The underlying business and its capacity to recover
  • The position with each lender

Information we may request

  • Debt, repayment and security schedules
  • Financial statements, cash-flow projections and receivables ageing
  • Business or project presentations and relevant lender correspondence

A possible first deliverable

A review of the debt position and potential restructuring priorities.

Start with what you have. We will identify what is relevant and help prepare any missing materials within the agreed scope.

KCH prepares credit proposals and supporting documents for submission to banks. Financing approval, terms and disbursement remain the lender’s decision; KCH does not guarantee financing.

THE FIRST CONVERSATION / 03

I am evaluating an investment

Interrogate the opportunity before committing capital.

Every sector and business calls for a different assessment. The areas and documents below are examples; we agree the questions, information and scope with you case by case.

Areas we may explore

  • Commercial logic and available evidence
  • Capital required, valuation and proposed terms
  • Execution risks and unanswered questions

Information we may request

  • The investment proposal or information memorandum
  • Available financial information
  • Your objectives and the decision timetable

A possible first deliverable

An initial opportunity assessment identifying the questions that require further investigation.

Start with what you have. We will identify what is relevant and help prepare any missing materials within the agreed scope.

THE FIRST CONVERSATION / 04

We need to grow or enter a market

Give ambition a commercial route.

Every sector and business calls for a different assessment. The areas and documents below are examples; we agree the questions, information and scope with you case by case.

Areas we may explore

  • Where demand and a credible advantage may exist
  • Resources, partners and capital required
  • What the business can execute in sequence

Information we may request

  • Current products, customers and markets
  • The proposed expansion or target market
  • Available resources and known constraints

A possible first deliverable

A growth or market-entry brief setting out options, evidence gaps and the next decisions.

Start with what you have. We will identify what is relevant and help prepare any missing materials within the agreed scope.

THE FIRST CONVERSATION / 05

Ownership or governance is unclear

Make responsibility clear before the next commitment.

Every sector and business calls for a different assessment. The areas and documents below are examples; we agree the questions, information and scope with you case by case.

Areas we may explore

  • Ownership, management and board responsibilities
  • How decisions are currently made
  • Succession, continuity or stakeholder concerns

Information we may request

  • The ownership and organisation structure
  • Existing governance documents
  • The decisions or responsibilities causing uncertainty

A possible first deliverable

A governance review identifying unclear responsibilities and priorities for agreement.

Start with what you have. We will identify what is relevant and help prepare any missing materials within the agreed scope.

THE FIRST CONVERSATION / 06

Our business is stronger than the case we present

Make the business understandable before the meeting.

Every sector and business calls for a different assessment. The areas and documents below are examples; we agree the questions, information and scope with you case by case.

Areas we may explore

  • Who needs to assess the business, and why
  • The evidence behind the proposition
  • Gaps across the narrative, materials and digital presence

Information we may request

  • The current company profile and website
  • Available commercial and financial evidence
  • The meeting, transaction or market-entry objective

A possible first deliverable

A review of the decision materials, with priorities for the narrative, evidence and presentation.

Start with what you have. We will identify what is relevant and help prepare any missing materials within the agreed scope.

THE RECORD IN CONTEXT
30+

YEARS OF EXPERIENCE

Experience on both sides of the table.

More than three decades in banking, credit and investment across conventional and Islamic institutions. Rami’s experience spans Jordan, Saudi Arabia and the UAE, before founding KCH in 2024.

From Rami Ziad Khayyat’s professional career, before founding KCH in 2024.

THE RECORD IN CONTEXT
$1.6B

PRIOR CAREER PORTFOLIO

Building a corporate portfolio.

Rami was tasked with establishing a corporate banking department from the ground up. He led the development of its corporate portfolio from near zero to USD 1.6 billion over approximately fourteen years, during his executive career before founding KCH.

From the founder’s prior executive career · approximately fourteen years

THE RECORD IN CONTEXT
CEO

ACTING APPOINTMENT

Executive responsibility, formally delegated.

Rami’s senior responsibilities included Deputy CEO and Head of Corporate Banking. He was also appointed Acting CEO by the Board of Directors, with delegated executive responsibilities. His work included oversight of corporate-credit decisions and portfolio repricing.

From the founder’s executive experience before KCH

THE RECORD IN CONTEXT
4

MARKETS

Experience across four markets.

Rami’s career includes building banking business units in Jordan, Saudi Arabia and the UAE, alongside professional experience in Iraq.

Professional experience · Jordan, Saudi Arabia, the UAE and Iraq