Debt and equity crowdfunding — dual SAMA+CMA licensed
Min salary
5k SAR
Rate
5.50%–55.00%
Max amount
10M SAR
Fastest approval
2 day(s)
| Product |
|---|
| Type |
|---|
| Rate |
|---|
| Min salary |
|---|
| Max amount |
|---|
| Salary transfer |
|---|
| Real Estate Financing | Mortgage | 5.50% – 8.50% | 5k SAR | 10M SAR | Not required |
| Letter of Guarantee | Other | 30.00% – 55.00% | — | 5.0M SAR | Not required |
| Invoice Financing (Fawateer) | Invoice finance | 8.00% – 20.00% | — | 5.0M SAR | Not required |
| Payroll Financing | Working capital | 7.00% – 16.00% | — | 3.0M SAR | Not required |
| Purchase Order Financing | Working capital | 7.00% – 16.00% | — | 5.0M SAR | Not required |
| Working Capital | Working capital | 7.00% – 16.00% | — | 5.0M SAR | Not required |
SAMA-licensed
Regulated by Saudi authority
Multiple products
6 active financing products
Direct comparison
Compare against 33+ lenders, one application
The minimum salary at Manafa starts from SAR 5k/month, varying by product type and applicant nationality. Manafa offers 6 active financing products, each with its own salary floor — see the table below for per-product details.
Rates at Manafa range from 5.50% to 55.00% APR, depending on product, credit profile, salary, and term length. Advertised rate does not reflect individual offers — actual rate is confirmed after SIMAH check and underwriting.
Manafa's maximum financing reaches SAR 10M, depending on product and borrower capacity. Eligibility calculation follows SAMA's 45% Debt Burden Ratio (DBR) cap.
Manafa's fastest product issues approval in 2 business day(s) after documents are complete. Other products may take longer depending on financing type. Through Diro you can submit one application reaching Manafa and other lenders, and compare offers in a single day.
Submit one application via Diro and you'll get offers from Manafa and 33+ other SAMA-licensed lenders — directly comparing profit rate, monthly installment, and term. Zero commission, no obligation to accept any offer.
