Borrower

Financing Advantages

Sharia-compliant finance

Financing up to 20 million riyals

Fast approval within 48 hours

Flexible repayment term up to 5 years

Early payment discount

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Financing Products

Licensed by the Capital Market Authority

We are licensed by the Capital Market Authority in the Kingdom of Saudi Arabia to finance real estate development projects through debt instruments.

View License

Approved by the Sharia Committee

At Arat, we ensure that every investment product is fully Sharia-compliant and approved by our Sharia Committee.

Learn about the Sharia Committee

Your Financing Journey with Arat

Register as a borrower and submit your application in minutes

Application reviewed by Arat team within 48 hours

Receive your financing

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Partners in Success

Arat App

Apply for financing or start investing from your phone with the new Arat mobile app. Available on Google Play and Apple App Store

Frequently Asked Questions

What is Arat?

Arat Finance specializes in financing small and medium-sized real estate developers through crowdfunding sukuk with a value of up to 20 million riyals.

How can I register to invest?

You can register by visiting Arat’s platform at arat.co and clicking on “Register Now” → “Investor” → Filling in the following personal information, email, mobile number, ID/Iqama, date of birth and then setting a password.

Are the financing opportunities offered by Arat Shariah-compliant?

Yes, all financing and investment opportunities on Arat are in compliance with Shariah principles and supervised by a Shariah Committee led by Sheikh Dr. Yusuf Al-Shubaili.

Is investing through Arat safe?

Investing through Arat involves the typical risks associated with funding small and medium enterprises, including the potential loss of capital or delays in repayments.

What is the expected rate of return?

Between 9.6% and 18%.

When and how are returns distributed?

Returns are distributed based on the terms of the sukuk, either through periodic payouts or at maturity, along with the principal amount.

How do I know if my investment has been accepted?

If you are nominated for an investment opportunity, you will receive an SMS. You must log into your account to review the opportunity details and either accept or decline the nomination.