SUKUK CROWD-FINANCING FOR REAL-ESTATE DEVELOPMENT
The Leading SUKUK crowd funding Platform for SME Real-Estate Developers in Saudi Arabia.
Our Partners
What is Arat Platform?
ARAT Capital is a licensed platform by the Financial Technology Laboratory of the Capital Market Authority (CMA). It issues sukuk as investment and debt instruments for SME real estate developers, offering up to 20 million in funds. The platform provides investment opportunities for all investor classes and enables SME developers to leverage these opportunities. Funded projects undergo due diligence and are monitored by ARAT to ensure successful implementation.
Real-Estate Development Financing made easy
We offer a straightforward alternative to traditional lending to Real-Estate Developers. We specialize in financing your working capital and offer unique benefits for your business
Apply in minutes
It takes five minutes from start to finish. We’ll just need some basic information about your real-estate development project to make a decision.
Upload documents
Upload Real-estate development projects such as property deed, building permit, developer license, and feasibility study and ARAT Platform will automatically review them
.svg)
Get Funding
Investors on ARAT will participate in funding your development project after you you accept the funding agreement⠀
Settelment
At the project completion and selling of rent the project and as per ARAT policies and procedures the repayment of principal and profit will be deposited in the investors and shareholders wallets
Arat App
Request Financing, or start Investing from your Phone with the new Arat mobile App. Available on Google Play-store and Apple App-store.
%201%20(3).png)
Join Arat Today
Approved and in compliance with Sharia Law
Arat Platform is regulated and approved by the Sharia Board. We maintain the entire funding process in accordance with Islamic regulations and have been certified by the Sharia Review. We worked with Islamic finance experts and legal advisors to enforce that our financing solutions are based on the values and principles of Sharia law.
Simple and Clear Pricing
Fees are only applied for the days you want to get paid early. There are no hidden fees or charges, so you always know what you’re paying.
Help in Real Time
From registration to on-going account management, our customer service team is here to help. When you call, you’ll get straight through to someone in our Saudi team.
Fast and Efficient
Applying for funding with us takes few minutes. Just upload your required project documents, review the conditions and get funded.
Secure and licensed
Arat Platform and data are protected by bank-level security and state-of-the-art encryption. We are licensed by the CMA.
FAQs
The Answers to most of your questions
ARAT Capital is a licensed platform by the Financial Technology Laboratory of the Capital Market Authority. It issues sukuk as investment and debt instruments for SME real estate developers, offering up to 20 million in funds.
You can apply by signing up on our platform (Arat.co) and (Sign up), then fill out the required information
Yes, all financing and investment operations on the ARAT Capital platform comply with Islamic Sharia law and are overseen by a Sharia board chaired by Dr. Youssef Al-Shubaily
The financing cost is divided into two parts:
1- Sukuk Structuring Fee up to 3%
2- Monthly profit rate from 1%
1- Mortgage
2- Promissory notes on company and owners
The evaluation of the financing request, and determining the profit rate, within one business day after receiving all the required documents. On average it takes around 3-5 business days to completing the process
Yes, you can pay off the full amount before the due date and receive the agreed upon discount in the contract.
The maximum financing duration that can be requested is 5 years.