Services
Wealth Management
Lightman Global Wealth Management- Your Financial Partner for the Long Run
At Lightman Global, we believe that wealth shouldn’t be reserved for the few who already have it. Finances should be built, nurtured, and protected for anyone who dreams of a secure future. Our mission is simple: to democratize wealth by making financial independence a reality for mid-income families and individuals through safe, smart, and sustainable investing. We’re here to break down complexity, handhold you through the journey, and bring you the very best of what global investing has to offer, all in one place.
Your World of Asset Classes, All in One Place
Wondering where to begin or how to diversify? At Lightman Global, we offer access to a broad range of investment options, including Mutual Funds, Equity, Bonds, Exchange-Traded Funds (ETFs), Precious metals ETFs, and Shariah-compliant instruments. We understand that for some of our clients, investing in Shariah-compliant instruments isn’t just a preference, it’s a necessity rooted in deeply held beliefs. That’s why we ensure access to ethical & Shariah investment opportunities that align with your faith and values.Whatever your goals may be: long-term growth, consistent income, or capital preservation, we aim to be your one-stop shop for investment solutions that are both high-quality and globally diversified.
Tailor-Made, Because No Two Clients Are the Same
We know that every investor’s journey is unique. That’s why we start with a one-on-one conversation to understand you, your goals, values, and what keeps you up at night. From there, we craft a strategy that is built around you. While we work with top-tier instruments from highly reputable global providers, our focus remains on customizing portfolios that match your needs. Whether you lean toward safety or growth, we’ll offer carefully selected choices that align with your profile. We take away decision fatigue, so you can focus on living your life, not second-guessing your next financial move.
Investor Assessment: Your Preferences, Your Comfort Zone
Before we recommend anything, we take time to understand your financial background and appetite for risk. Our onboarding process includes a thoughtful investor profiling exercise, not just a form, but a meaningful step toward getting to know you better. Based on your comfort level and financial goals, we fine-tune our recommendations. And because life changes, we revisit your profile regularly to keep your investments aligned with your current stage.
Democratization of Wealth
With thousands of high-quality investment options available through our platform, we ensure you’re never left to sort through it all on your own. Our job is to simplify; we narrow down the universe of instruments to a few tailored recommendations based on your profile. You’ll have time to review, discuss, and reflect. If something doesn’t feel right, we’ll explore alternatives until we find the perfect fit. Our approach eliminates decision fatigue and puts you in control, without the stress.
Offshore Instruments
We help you access global markets in the U.S., Europe, Asia, Emerging Markets and more. Allowing you to diversify beyond the limits of a single economy. These offshore options reduce risk and open doors to broader opportunities. Whether you’re looking to hedge against local volatility or tap into international growth stories, we’ll help guide your strategy with care.
Structured Notes
For clients looking to invest significant capital with specific outcomes in mind, structured notes can offer a unique combination of capital protection and tailored upside. Whether linked to equities, inflation, metals, or fixed income, these instruments are built around very particular goals, and are designed with flexibility in mind. If you’re exploring premium investment ideas and want to go beyond traditional formats, this may be a fit for you.
Competitive Advisory Fees
Tired of paying high fees every year just to be told where to invest? So are we. At Lightman Global, our clients enjoy a far more efficient structure, with complete transparency. You keep more of your returns, and we stay focused on growing your money, not charging you for it.
Mortgages
Lightman Global – Your Partner in Property Finance
At Lightman Global, we are more than just mortgage brokers — we are your trusted advisors in turning real estate dreams into reality. Whether you’re buying your first home, investing in property, or refinancing an existing mortgage, our team provides tailored solutions and transparent guidance at every step.
Why Choose Lightman Global?
- Turnkey Service – From pre-approval to final handover, we handle every detail
- Independent Advisory – We work with over 20 leading banks in the UAE, offering unbiased recommendations
- Personalised Options – Custom mortgage solutions based on your income, property type, and long-term goals
- End-to-End Support – From documentation to negotiation, we act as your in-house finance team
What We Offer
Residential Mortgages
Whether for your primary residence or a secondary home, we ensure you get the best rates and fastest approvals.
Investment Property Loans
Maximize ROI with our strategic mortgage planning and access to investor-friendly lenders.
Refinancing Solutions
Lower your payments or release equity — we’ll guide you through the smartest restructuring.
Commercial & Bulk Buyer Mortgages
For developers, property investors, and business owners, we secure competitive terms for large-scale property acquisitions.
Our Process – Simple, Fast, Reliable
- Initial Consultation - Understand your needs, goals, and eligibility
- Bank Comparisons - We shortlist the best-suited lenders and rates
- Pre-Approval & Documentation - Get conditionally approved while we manage the paperwork
- Valuation & Approval - We coordinate with banks and valuers for smooth processing
- Final Offer & Registration - Our team ensures seamless signing and property transfer
Documentation We Help You With
- Emirates ID & Passport Copies
- Salary Certificate / Trade License
- Bank Statements (Last 6 Months)
- MOU / Title Deed / Sales Agreement
- Existing Liability Statements (if applicable)
Who We Serve
- UAE Residents & Expats
- Non-Residents Investing in UAE
- First-Time Buyers & Portfolio Investors
- Business Owners & Entrepreneurs
- Developers & Bulk Buyers
Trusts & Foundations at Lightman Global
Lightman Global helps individuals and companies set up trusts and foundations to manage wealth efficiently, reduce taxes, and improve asset protection. These structures make it easier to plan for succession, handle inheritance, and shield assets from financial complications. We offer full support through the process — from drafting trust deeds and registering the trust to helping you open the necessary multicurrency bank accounts. Whether you’re looking to consolidate assets under a holding entity, prepare for ownership transfer, or optimize unnecessary tax exposure, we provide practical, compliant solutions that are easy to maintain. Our goal is to help you keep control, reduce risks, and make smarter financial decisions through clear legal structures.
For Individuals
Setting up a trust or foundation can help you protect what you’ve earned, avoid inheritance complications, and plan clearly for the future. It’s a legal way to transfer assets to family members, avoid delays in probate, and manage taxes more efficiently. At Lightman Global, we help individuals create structures that match their personal situation — whether it’s passing down property, managing overseas investments, or supporting dependents. These tools are especially useful if you want to keep control of your assets during your lifetime, but ensure they are passed on smoothly when needed.
What We Offer
We manage the full process of setting up a trust or foundation. This includes advisory on the right structure for your situation, drafting the relevant documents, completing registrations, and helping you open any required multicurrency bank accounts. The structures we build are straightforward to manage and always built with a clear use case in mind — we avoid overcomplication and make sure everything is easy to understand. Whether you’re an individual trying to protect family wealth or a business planning internal reorganization, we provide the practical tools needed to make your structure work properly over time.
What Is Asset-Backed Lending?
Asset-backed lending allows individuals and institutions to access capital by using income-generating assets as collateral. These assets—such as corporate bonds, publicly traded stocks, or digital currencies—can be structured into high-grade financial instruments that generate consistent returns for investors.
Key Highlights:
- Backed by performing assets like equities, bonds, and cryptocurrency holdings
- Created through securitization, where financial institutions convert loan obligations into structured investment products
How Asset-Backed Lending Works
Picture a company offering loans secured by assets like high-quality securities, bonds, or ETFs. Clients receive financing while retaining ownership of their assets. As the number of loans grows, the company may package these performing loans into a structured instrument and sell them to investors. This process unlocks liquidity, allowing the firm to continue issuing new loans without impacting its capital reserves.
our core focus
We specialize in non-recourse lending backed by publicly traded securities and digital currencies. Clients can access capital without liquidating their positions, preserving both ownership and future upside.
By accepting a wide range of financial assets as collateral, Lightman Global enables customized financing structures that align with the unique needs of each borrower. Whether you’re seeking liquidity to seize an opportunity or to manage risk, our solutions are built for agility and discretion.
key advantages of collateral-backed loans
Diversified Collateral Options
We accept public equities, bonds, ETFs & mutual funds, and major cryptocurrencies—giving clients flexible access to capital across asset classes.
Liquidity Without Liquidation
Clients retain full ownership of their investments and benefit from potential appreciation while unlocking immediate funds.
Preserve Asset Value
Financing is structured to protect long-term value and maintain market exposure.
True Non-Recourse Lending
Loans are secured solely by the pledged collateral. Clients are not personally liable beyond the asset provided—offering a safer, limited-risk lending model.
Competitive Rates
Transparent and fair interest structures help clients manage cash flow while meeting financial goals effectively.
Confidential & Efficient
We ensure full discretion, streamlined processing, and quick disbursement—ideal for time-sensitive opportunities.
Tailored Terms
Every financing package is customized, aligning with the client's portfolio, goals, and financial strategy.
Management Consulting
At Lightman Global, our Management Consulting services are designed to help businesses move with clarity, confidence, and control. We support organizations through strategic transformation, operational optimization, and digital enablement — without overwhelming them with complexity.
Whether you’re restructuring teams, implementing new IT systems, or delivering time-sensitive projects, we bring structured thinking, hands-on support, and a bias for execution.
Our Core Focus Areas
- Organizational Strategy & Training – Empowering teams through capability-building and performance alignment.
- IT & Systems Implementation – Guiding technology adoption and integration with business objectives.
- Project & Change Management – Ensuring timely delivery, cross-functional coordination, and sustainable outcomes.
We serve as your execution partner — not just advisors. With Lightman Global, consulting turns into action, and ideas translate into impact.
BUSINESS LOANS & CREDIT FACILITIES
Working Capital Loans
Short-term loans to support cash flow, purchase inventory, or cover operating costs.
Invoice Discounting
Get immediate funds against outstanding customer invoices — no need to wait 30–90 days.
POS (Card Machine) Loan
Loans based on monthly volume of credit/debit card sales (min AED 30K per month).
Overdraft Facilities
Flexible credit line linked to your business account — pay interest only on what you use.
Machinery & Equipment Financing
Asset-backed loans to help you upgrade or acquire industrial and commercial equipment.
Purchase Order Financing
Advance funding to pay suppliers based on large POs or ERP-linked demand.
Trade Receivables / LC / SBLC
Structuring of Letters of Credit and Standby LCs for import/export and large contracts.
Performance & Bid Bonds
Support for construction, infrastructure, or government contract bidding.
Who’s Eligible?
- Registered UAE Companies with 1+ year of operations and audited or bank-verified turnover
- Annual Turnover typically AED 1.5M+ (lower for POS or micro-facilities)
- Sole Proprietors & LLCs — both types supported, eligibility varies by lender
Why Work With Lightman?
- 25+ bank and non-banking institution partners
- Deep understanding of credit underwriting in the UAE
- Access to funding others can’t easily secure
- One-on-one guidance from initial call to final disbursal
Commercial Brokerage
At Lightman Global, our Commercial Brokerage division facilitates international trade in essential commodities and bulk goods. We connect verified buyers and sellers through a trusted global network, ensuring each transaction is handled with professionalism, transparency, and operational efficiency.
What We Facilitate
Grains and Agricultural Products
Reliable sourcing and trade facilitation for staple crops and essential agricultural goods.
Crude Oil and Refined Products
End-to-end brokerage for energy commodities, ensuring compliant and efficient transactions.
Metals and Minerals
Strategic sourcing and deal structuring metals and mined resources.
Our Advantage
- Verified Counterparties – All parties are thoroughly vetted for financial credibility, operational capacity, and compliance.
- Global Network – Access to a curated network of suppliers, traders, and buyers across the Middle East, Asia, Africa, and Europe.
- Secure Transactions – End-to-end handling of contracts, compliance (KYC/AML) etc.
- Price Transparency – We ensure clear, upfront pricing and minimize hidden costs.
- Operational Efficiency – We streamline the transaction process, manage documentation, and ensure compliance with international trade standards.
Who We Serve
- Importers & Exporters
- Wholesale Distributors
- Private Mandates & Trade Desks
Trusts & Foundations at Lightman Global
Lightman Global helps individuals and companies set up trusts and foundations to manage wealth efficiently, reduce taxes, and improve asset protection. These structures make it easier to plan for succession, handle inheritance, and shield assets from financial complications. We offer full support through the process — from drafting trust deeds and registering the trust to helping you open the necessary multicurrency bank accounts. Whether you’re looking to consolidate assets under a holding entity, prepare for ownership transfer, or optimize unnecessary tax exposure, we provide practical, compliant solutions that are easy to maintain. Our goal is to help you keep control, reduce risks, and make smarter financial decisions through clear legal structures.
For Corporations
Businesses use trusts and foundations to hold assets, simplify ownership, and manage long-term planning. These structures are useful when you want to separate operating activities from ownership or prepare for investment. One of the key advantages is protection from personal liability — for example, corporate and personal bankruptcy will not affect the assets held within the trust. Lightman Global helps companies set up holding structures, manage documentation, and integrate the trust into their larger business strategy. Trusts also allow for more flexible succession planning, especially in family-owned or founder-led businesses. Whether you’re planning an exit, preparing for expansion, or managing risk, we help create a setup that reduces exposure, protects key assets, and supports ongoing business needs. Everything is tailored to your company’s operations, goals, and structure — no unnecessary complexity.
What We Offer
We manage the full process of setting up a trust or foundation. This includes advisory on the right structure for your situation, drafting the relevant documents, completing registrations, and helping you open any required multicurrency bank accounts. The structures we build are straightforward to manage and always built with a clear use case in mind — we avoid overcomplication and make sure everything is easy to understand. Whether you’re an individual trying to protect family wealth or a business planning internal reorganization, we provide the practical tools needed to make your structure work properly over time.