SUKUK CROWD-FINANCING FOR REAL-ESTATE DEVELOPMENT
Get funding with The Leading SUKUK crowd funding Platform for SME Real-Estate Developers in Saudi Arabia, ARAT Capital
Key Benefits for Real-Estate Developers
We offer a straightforward alternative to traditional lending to SME Real-Estate Developers.
On-demand financing solution. Choose when you need financing
Immediate initial approval
Flexible rates starts at 1% per month with early payment discount
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Reliable and secure financing
Our streamlined process
Register and Get Instant Funding - Unlock your working capital and improve your cash flow by financing your purchase orders.
Apply
SIGN UP FOR free and upload your purchase order details, personal information, and related informations like Amount and duaration etc.
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Review
ARAT Capital Team will conduct due diligent, performs its credit assessment, project feasibility evaluation and verify previous experience.
Financing
You can select the type of product:
1- Build to sell
2- Build to rent
3- land development
4- Acquisition of estate assets
Settlement
At the project completion and selling or renting the project and as per ARAT Capital policies and procedures the repayment of principal and profit will be deposited in the investors and shareholders wallets
We Support Real-estate developers
- With the support of the Saudi CMA for innovation in financial technology, we have been prompted to think about founding ARAT Capital to connect all parties of the relationship to relying on a Crow-Funding model for Real-Estate Development opportunities as follows :
- The platform communicates with the real estate developer to provide innovative financing solutions that help him expand his financial and investment capabilities in the field of real estate.
- The platform studies the financing request and then presents it to investors to give them the opportunity to invest according to their capabilities and according to the size of the opportunity presented.
- The platform supervises the financing, purchase, implementation and sale operations, in a manner that preserves the rights of all, according to the highest levels of transparency possible.
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Financing Requirements
Real Estate SME
Target developers Licensed real estate developers throughout the cities of Saudi Arabia who have previous experiences in the field of residential and commercial real estate development.
Real Estate Guarantee
Guaranteed by underlying documents like: Real Estate Mortgage and Promissory notes on company and owners
Maximum Tenor
Our maximum financing tenor is up to 5 years
Min SAR 1 million
Financing up to 20 million for Real-Estate projects
Approved and in compliance with Sharia Law
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.