AUTO INVEST IN REAL-ESTATE DEVELOPMENT

With Sukuk crowd-financing for real-estate development from Arat Capital you can now invest starting from SAR 1000 only.

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Why invest with ARAT Capital

Grow your money at higher rates than traditionally investments

Flexible
Investment

Real-estate Guarantees

Compliant with Sharia Law as well as KYC and AML, CFT regulations

limited correlation to capital market performance

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Our streamlined process

We took the hassle out of Investing with our automatic and simplified process

1
Sign up

SIGN UP FOR free, provide us with more details about you and accept our terms and conditions.

Arat sign up
2
Verify your Account

Once your account is verified, you will be able to deposit funds to your investment wallet.

Verify you account
3
Activate Auto Invest

Let your Money work for you effortlessly by setting your investment preferences for future opportunities and activating the Auto-Invest. The app will automatically notify you when you are nominated and you will have 48 hours to review and accept or reject the investment opportunity.

Activate Auto Invest
4
Earn

Monitor from your app receiving your repayments and profits according to your terms and conditions of each opportunity.

Earn
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Annual Return Comparison

Returns depend on your risk preferences.

12 - 15.3%

Net annual return from Arat

5.5%

Sukuk Alrajhi Bank

3-5%

Goverment Sukuk

2-7%

Saudi stocks dividends

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Risk Mitigation

Real-estate Investment

KSA government is rated A1 (Moody’s, May 1, 2020) Suppliers are well-rated, reputable multinational manufacturers.

Secure Platform

ARAT Capital Platform and data are protected by bank-level security and state-of-the-art encryption.

Credit check

Adequate credit screening, KYC and legal due-diligence checks are conducted on all participants, including POs, and payment history.

Project Check

Real-estate projects get checked in details and payment are oversight  by ARAT team

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Approved and in compliance with Sharia Law

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Risk Assessment

What you need to have, in order to meet our requirements and receive funding from Arat

Credit Scoring

Only approved transactions and participants are offered to financier on the Arat Platform.

SME Legal Due Diligence

All historical records are collected from local credit bureaus Like, SIMAH.

Risk Assessment on Distributor and Resellers

Audit financial records and bank statements of the distributor as well as credit history, maturity, and experience of the reseller’s business are reviewed and assessed.

Historical Records

Historical records of successful projects and experts

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Credit Scoring

Opportunities published are evaluated and given a credit score with the approved scoring system of the platform. ARAT credit scoring reviews and evaluates a wide number of information about the real-estate developer requesting financing. Investment categories are available in Auto Invest based on the related risk level, (Balanced - Growth - Package) and includes Ten classifications, which we explain as follows:2

Conservative

Activate the Conservative option to invest in opportunities with score "A". It includes 3 classifications based on the risk level:
A+: Very low risk
A : Low risk
A-: low to moderate risk

Activate Auto-Invest

Balanced

Activate the Balanced option to invest in opportunities with score "B"It includes 3 classifications based on the risk level:
B+: medium to low
riskB : medium
riskB-: medium to high risk

Activate Auto-Invest

Growth

Activate the Growth option to invest in opportunities with score "C" It includes 3 classifications based on the risk level:
C+: high to medium risk
C: high risk
C-: very high risk

Activate Auto-Invest

FAQs

The Answers to most of your questions

What is Arat?

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.

How can I sign-up as an Investor?

You can register by visiting the Arat homepage at arat.co, clicking on the 'Sign-up’ button, selecting 'I Want to Invest', filling out the following personal information: (ID or residence number - date of birth - mobile number - email), and then setting a password.

Are the investment opportunities offered by the Arat platform compliant with Islamic Shariah principles?

Yes, all financing and investment operations on the Arat Financial Platform are compliant with Islamic Shariah principles and are overseen by a Shariah board chaired by Sheikh Dr. Youssef Al-Shubaily.

Is investing in the Arat platform safe?

Investing through the Arat platform involves the risks of investing in small and medium-sized enterprises, including the possibility of capital loss or delayed repayment.

What returns can I expect?

Somewhere between 15%-20% annually. (Average is 16% annual)

When and how are the profits paid out?

The profits are deposited into the portfolios of the participating investors after the financing period mentioned in the opportunity details ends.

How do I know when I entered an Investment?

You will receive a text message informing you of your acceptance in the opportunity if you are entered .