SAMA regulated

Shariah compliant

Shariah-compliantfinancingupto2M

Fast and reliable financing for business owners. Simple procedures, quick approval, and direct disbursement. Subject to eligibility and credit assessment.

Financing tracker

60%paid

Paid amount 1,200,000.00

Outstanding amount 800,000.00

Clear and transparent from the start

Clear and flexible terms tailored to your business needs.

Working capital for all use cases

Inventory, operating expenses, equipment and business expansion.

Financing amount up to 2M

One-time disbursement, subject to eligibility and credit assessment.

Financing tenor up to 24 months

Flexible repayment period that suits your sales cycle.

Shariah-Compliant

Financing structured in line with Shariah principles.

Estimate eligible amount

Enter your business details to see an indicative amount.

Average monthly revenue

Cash, and card sales from all banks and POS terminals.

Do you have any active financing?

Eligibility

Business age Minimum 12 months

Owner age 22 to 70 years

Annual turnover From 500,000

Ownership changes No ownership changes in the last 12 months

Your estimated financing amount is up to

—

Numbers are preliminary and subject to adjustment following formal credit assessment.

1
Apply online Enter your business details.
2
Upload documents Attach the required documents.
3
Receive your offer Review your offer before signing.
4
Funds to your account After approval and completing requirements.

Certified by
Shariah Committee.

Hala Financing operates entirely under a Tawarruq structure, a formally recognised Islamic financing mechanism approved by leading Shariah scholars. No interest. Just transparent, asset-backed financing.

Download Shariah Certificate

Step 1

Hala Financing purchases the commodity

Hala Financing buys a commodity (e.g. metals) from an approved international exchange at spot price.

Step 2

Commodity sold to you on deferred terms

Hala Financing sells you the commodity at a marked-up price (cost + profit), payable in installments.

Step 3

You authorize Hala Financing to sell the commodity

You delegate Hala Financing to sell the commodity on your behalf to a third party at the current market price.

Step 4

Cash lands in your wallet

Hala deposits the sale proceeds directly into your Hala Financing wallet so you can use them immediately.

Download Shariah Certificate

Required Documents

Have these ready before you apply.

Commercial Registration

At least 1 year in business.

Valid commercial registration

Balady License

Balady license matches your CR.

Valid license

Shop location

Link to your business on Google Maps.

Address matching the license

Shop photos

Clear pictures of the exterior and interior.

New and clear pictures

Owner National ID/Iqama

Valid national ID or residence permit.

Valid National ID/Iqama

Bank statements

For the last 12 months from the date of application.

Optional for Hala customers

Promissory note

Signed by the applicant and the guarantor.

Required for all customers

Extra documents

Financial statements, project or supplier contracts.

Optional for Hala customers

Merchant Stories

Real Businesses. Real Results.

“The service was fast, and the funding and procedures were completed with the amount deposited in the account in about half an hour. This is not the first financing; this is the third one so far.”

Um TurkiJuice Shop Owner · Almadinah

“I have been a Hala customer for 3 years; I have 5 shops where I use Hala devices, and I have also recommended them to my friends. Recently, I got a financing and benefited from it to purchase stock for the shop, and the daily deduction system is very suitable.”

Abu MohammedGrocery Store Owner · Makkah

“I got a financing and benefited from it in developing my business and opened a new branch. My experience with Hala Financing has been very positive; the repayment method is excellent, the payment schedule is clear, and tracking paid and remaining amounts through the app is very easy.”

RayanRestaurant Owner · Jeddah

Ready to grow your business?

Shariah-compliant · Subject to the supervision and control of the Saudi Central Bank

Got Questions? We Have Answers.

Still have questions? We're here to help.

The Hala Ecosystem

Manage Your Finances From One Place

Financing is just the start. Hala gives you a full suite of tools to move money, accept payments, and control spending.

Business Account with Instant Settlement

Access and manage your funds locally and internationally. Sales deposits settle instantly into your Hala account, so your capital is always available.

Explore Hala Accounts

Upgrade Your Payment Infrastructure

Upgrade or expand your payment systems with Hala POS devices while accessing financing for rollout and operations.

Explore Hala POS

Control Your Business Spending

Use Hala cards and expense management tools to set limits, track transactions, and control exactly how your funds are spent.

Explore Hala Cards

Shariah-compliantfinancingupto 2M