Since 2012
CMS Holoul was founded in January 2012, entering the UAE market with a clear focus on excellence in credit management. We secured our first strategic partnerships with leading regional banks.
Three years in, CMS Holoul expanded aggressively — adding major clients across banking, real estate, and launching legal consulting capabilities with Emirates Islamic Bank.
CMS Holoul crossed borders — opening our first international branch in Egypt and partnering with du Telecom. We also launched our Mawared HR solutions vertical to serve workforce clients.
When the pandemic hit, CMS Holoul pivoted quickly — digitising operations and maintaining continuity without missing a beat. This period proved our adaptability and technological readiness.
We grew our active client portfolio to 15 institutions, added Aqqaar as a flagship real estate partner, and opened our fourth international branch in Jordan — solidifying our MENA footprint.
CMS Holoul reached true regional scale — opening new offices in Lebanon (Tripoli) and Jordan (Irbid), earning Etisalat's excellence award, and growing our team to over 500 professionals across 5 countries.
CMS Holoul accelerated regional growth — expanding into Saudi Arabia with a new KSA branch, adding CashNow and Invest Bank to our banking portfolio, partnering with the Ministry of Foreign Affairs (MOFA), and signing a strategic MoU with the American University in the Emirates for talent development.
These aren't slogans on a wall. They're the reason our clients stay with us year after year, and why our team across six countries operates as one.
Our clients trust us with sensitive financial data and customer relationships. That trust is earned through full compliance, transparent reporting, and doing what we said we'd do — every single time.
We don't aim to meet expectations — we set them. From ISO-certified operations to CBUAE-aligned processes, every touchpoint is built to a standard most competitors don't attempt.
We've been with some of our banking partners for over a decade. That kind of relationship doesn't come from contracts — it comes from shared wins, honest conversations, and showing up when it matters.
When the pandemic forced the industry to rethink operations, we'd already digitised ours. We invest in technology and training early so our clients never have to wait for us to catch up.
We work with the Ministry of HR & Emiratisation, MOFA, and Etihad Water & Electricity — entities that demand zero tolerance for error. Our operations are aligned with CBUAE, CBR, and TDRA frameworks from day one, not retrofitted after the fact.