AAY Investments Group today issued a formal global advisory to organizations, project developers, and corporate leaders: December 15 is the final operational date to initiate funding applications under 2025 financial terms. Any submissions received after this date will automatically transition into the 2026 fiscal-year review, where significantly tighter conditions are expected.
This deadline applies to all funding categories, including project finance, commercial development, infrastructure, energy, manufacturing, and large-scale private-sector capital requests. December 15 marks the final date on which new applications can be logged and processed for the current cycle before institutions—including AAY—enter mandatory year-end compliance, auditing, and allocation procedures.
“As we enter the final phase of the fiscal year, our capacity to accept and approve new files under 2025 terms becomes extremely limited,” the firm stated. “Projects opened before December 15 will be fast-tracked for review and potential approval within the 2025 cycle. Any delays beyond this point will result in automatic placement into the 2026 review framework.”
According to AAY’s Compliance Division, the 2026 funding environment will introduce materially stricter requirements, including:
- higher collateral thresholds
- longer due diligence and approval timelines
- reduced allocation flexibility
- increased risk-management protocols
- tighter documentation and compliance standards
Organizations that miss the December 15 cutoff will be required to meet these enhanced 2026 criteria—changes that may affect approval speed, project viability, capital cost, and overall execution timelines.
AAY emphasized that it remains one of the few global financial institutions still accepting new funding applications at this stage of the fiscal year, though operational capacity is limited.
“With many institutions already closed to new submissions, December 15 represents the final opportunity to secure 2025-level funding,” the firm noted.
AAY Investments Group strongly encourages companies, developers, and project sponsors with time-sensitive capital needs to make immediate contact.
“Organizations requiring 2025 terms must act now,” the firm added. “Delaying until January will place projects into a more restrictive, competitive, and costlier review environment. The December 15 deadline is firm.”