Arat | ارا‪ت‬ 17+

ARAT Capital is a licensed platform by the Financial Technology Laboratory of the Capital Market Authority (CMA

Join Arat Financing Platform now and have access to :
- Instant Financing: Arat issues sukuk as investment and debt instruments for SME real estate developers, offering up to 20 million in funds.
- Investment opportunities with competitive returns: We offers individual and institutional investors opportunities to invest in Real Estate Backed projects

App Features:
1- Request Instant financing: You can get an Instant financing if you are a SME
2- Investment opportunities with competitive returns and backed up by government & corporate Purchase orders.
3- Auto Invest Nomination: Feature that allows you to define your investment preferences for future opportunities so that the application will alert you once the opportunities are available and nominate you to invest in opportunities that match with the level of risk set by you.
4- Mokafa’a Points Program: Take advantage of your Purchase orders in your wallet and get points from the Mokafa’a points program to increase your chances of participating in future investments, or to get gifts and value discounts through our partners.
6- (Coming Soon) Expense Management Cards: We’ll facilitate the management of company expenses through Sharia-compliant company credit cards.

Key Benefits for Investor?
- flexible and short-term Investment
- Investments are backed up by Real Estate Guarantees
- Compliant with Sharia Law as well as KYC and AML, CFT regulations
- Very limited correlation to capital market performance
- Auto Invest Nomination feature

Key Benefits for SMEs?
- On-demand Sukuk financing solution.
- Immediate initial approval & Final Approval within 5 days
- Flexible rates starts at 1%/Month with early payment discount
- Off-balance funding,

Approved and in compliance with Sharia Law
ARAT Capital is a licensed platform by the Financial Technology Laboratory of the Capital Market Authority (CMA). 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.