Arat Capital

Saudi real estate debt crowdfunding platform licensed by the Capital Market Authority, financing small and mid-sized developers through sukuk of up to SAR 20 million.

Industry: Real estate debt crowdfunding | Location: Riyadh, Saudi Arabia

About Arat Capital

Arat Capital (also written Arat Finance) is a Saudi financial technology company that finances small and medium-sized real estate developers through debt crowdfunding in the form of sukuk. According to its website, it is licensed by the Capital Market Authority to finance real estate development projects through debt instruments, with each issuance valued at up to SAR 20 million.

Investors can start from SAR 1,000. The platform says its investments are secured by real estate pledges, offer fixed returns, are diversified across the real estate sector and are Sharia-compliant. The company's FAQ gives an expected rate of return of 9.6% to 18%, with payouts either periodic or at maturity together with principal, and notes the usual risks of financing smaller businesses, including loss of capital or delayed repayment. Investors register online, choose from available opportunities and track returns; developers apply for financing through a separate borrower route. A mobile app is available on Google Play and the Apple App Store.

Governance: the About page names Mashari Alomayyer as founder and CEO, Dr. Nasser Al-Mashari as board member and chair of the executive committee, and Sulaiman Maher Al-Aujan as chair of the investment and risk committee. A Sharia committee chaired by Dr. Youssef Al-Shabili, with members Abdul-Ilah Al-Kharif and Nasser Al-Tariri, reviews products and contracts.

The company describes its mission as providing crowdfunding solutions for real estate developers and connecting them with individual and institutional investors across Saudi Arabia. Founding year, funding rounds and total amounts raised are not stated on its pages.

Leadership