Shariah-compliant financing for businesses
Islamic SME financing follows Shariah principles: no usurious interest, instead partnership-based (Mudarabah, Musharakah), deferred-sale (Murabaha), or leasing (Ijarah) structures. As a result, all Saudi businesses — including those requiring Shariah-compliant financing — can access competitive, licensed financing.
10,000,000
SAR max
1 to 7 years
Tenor
7 to 15 days
Speed
Fixed pre-agreed profit (equivalent to 8-14% in commercial financing)
Cost
Choose the Islamic structure: Murabaha for asset purchase, Ijarah for leasing, Musharakah for partnership
Lender (Islamic bank or Shariah-compliant platform) buys the asset or enters as partner
Repay in pre-agreed fixed installments (rather than accumulating interest)
The full structure is reviewed by the lender's Shariah board to ensure compliance
A sample. Diro instantly matches you with lenders suited to your business profile.
Maximum amount
10,000,000 SAR
Tenor
1 to 7 years
Cost structure
Fixed pre-agreed profit (equivalent to 8-14% in commercial financing)
Funding speed
7 to 15 days
Generally comparable or similar in effective cost. Saudi Islamic banks compete with conventional banks on pricing. The difference is in legal and Shariah structure, not price. Al Rajhi, for example, offers competitive rates vs any conventional bank.
Murabaha: bank buys the asset and sells it to you at a pre-agreed markup; you repay in installments. You own from day one. Ijarah: bank buys the asset and leases it to you; you own at the end (lease-to-own). Ijarah suits high-value assets better.
Yes. All CMA-licensed crowdfunding platforms in Saudi Arabia use Shariah-compliant structures — typically Murabaha or Mudarabah. They have certified Shariah boards.
Licensed providers
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