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.