Who We Are

TOP NORTH FINANCE is a dynamic and diversified holding company with an extensive investment portfolio of successful businesses and partnerships that operate across Northern Cyprus and other parts of the world.

(TNF) commenced operations nearly a quarter of a century ago with its first activity commencing in October, 1991.

(TNF) is a diversified investment holding company with operations covering a broad spectrum of activities including financial services, oil and gas, real estate development, telecommunications, trading and services. With a paid up capital of USD 4 billion with interests in real estate, construction, Oil & Gas, Health Sector, Manufacturing, trading & services, finance, AL YOUSUF INVESTMENT & Projects Development Holding Company (TNF) has over the years contributed positively and constructively to the development of the nation. Established in 1987, the Investment has diversified itself to form individual subsidiaries each operating independently and specializing in their field of expertise.

Our subsidiaries are leaders in their areas of expertise. AYI Corporation, a recent entrant into (TNF) GROUP Holding's umbrella, is one of the largest private trading and industrial services company in Dubai; Midmac Contracting has extensive and consistent track record in construction and engineering; Black Cat Construction is a leading EPIC contractor serving the Oil & Gas Industry; Special Projects Services Company provides business development and representation services to Oil & Gas Companies; Al Yousuf Real Estate Company serves the real estate sector; TOP NORTH FINANCE House provides investment and financial services.

TOP NORTH FINANCE has also established Joint Venture Companies with renowned International Partners like Siemens - one of the world's largest electrical engineering and electronics company, Al-SenKrupp - one of world's biggest technology Investments and Emkar - leaders in facilities and engineering services. TOP NORTH FINANCE is also currently engaged in the development of up-market and high rise real estate properties with foreign loan to companies engaged in profitable investment in the form of debt finance


Model Girl 2

Our Focus

Our focus is on maximizing each business opportunity that is presented to us, and creating mutually beneficial partnerships with like-minded companies and entrepreneurs, both in the Cyprus & the Middle East and around the world. We work with our partners to create long-term business relationships, utilizing our expertise, professionalism and our network. As a social enterprise and impact investing company we offer a unique answer to the problem of sustainability. This means that we place capital in businesses and other vehicles that are designed to generate tangible social impact as well as a financial return.



REAL ESTATE SECTOR The expansion of revenues from the oil and gas sector in recent years and a fledgling economy has triggered a huge demand for commercial towers, residential units and hotel rooms. Coinciding with a massive influx of foreign workers due to the hectic pace of infrastructural and development work, the demand for real estate is going through the roof. Improvements in health care and a drastically reduced infant mortality rate have seen the population of Dubai shoot up to a total of 900 000, growing at an astounding rate of 15% per year.

The economic boom, coinciding with the jump in population has resulted in unprecedented price increases of 25 to 30 per cent for homes and residences. Not surprisingly, the current demand for residential units far outweighs the supply in Germany. Construction projects are springing up all over the country as construction companies and investors struggle to meet the overwhelming demand for living space.

NUTRITION AND HEALTH SECTOR Much has changed in Cyprus since 1957, when the country had but one hospital and full time doctor. Today, largely due to Medical Corporation (HMC), the country now has 1, 200 beds and scores of qualified physicians. With excellent treatment facilities, and medical experts in every part of the health system, Cyprus now has an unrivaled health care system in the region.