SAMA regulated 
Shariah compliant Upto2MShariah-CompliantFinancing,ApprovedinMinutes.
Financing tracker
Estimate your financing offer
Enter your average monthly sales and repayment period to see your estimated financing amount and monthly installment.
Financing Calculator
Estimated offer
Total amount—
Monthly installment—Numbers are preliminary and subject to adjustment following formal credit assessment.
From application to cash in 3 steps
Apply in minutes. Get a decision fast. Use your funds immediately.
Apply Online
Fill in your basic business details on your phone or laptop. No branch visits, no paperwork, just a simple digital form.
Under 10 minutes Get Your Financing Offer
Our system reviews your application and gives you a clear yes or no, with the approved amount and full terms, swiftly.
Less than 3 days Receive Your Funds
Funds are transferred directly to your account. Pay suppliers, cover rent, or restock your inventory. Use it per your business need.
Financing designed to help Saudi SMEs grow
Whether you run one store or multiple locations, Hala financing is designed to support your daily operations and growth.
Café 
Retail 
Restaurant 
Supermarket 
Bakery 
Auto Repair 
Mini Market 
Pharmacy 
Barber Shop 
Plumber 
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 
Hala purchases the commodity
Hala buys a commodity (e.g. metals) from an approved international exchange at spot price.
Commodity sold to you on deferred terms
Hala sells you the commodity at a marked-up price (cost + profit), payable in installments.
You authorize Hala to sell the commodity
You delegate Hala to sell the commodity on your behalf to a third party at the current market price.
Cash lands in your wallet
Hala deposits the sale proceeds directly into your Hala wallet so you can use them immediately.
Download Shariah Certificate Put your financing to work
Built for day-to-day business needs. Get the capital to restock, expand, or cover expenses when timing matters.
Equipment Purchase
Buy or replace kitchen equipment, machinery, POS terminals, or any tools your business depends on.
Open a New Branch
Cover the upfront costs of expanding to a new location, from fit-out to first month's inventory.
Inventory Restocking
Replenish stock ahead of peak seasons, Ramadan, Eid, or any surge in demand, without straining cash flow.
Payroll Cover
Bridge cash flow gaps during slow months and make sure your team gets paid on time, every time.
Pay back on your terms
Two flexible ways to repay. Choose what works best for how your business operates.
Daily POS Deduction
Hala automatically deducts a small percentage from your daily POS sales through Hala POS Terminals. Pay as you earn. No large lump sum, no missed payments.
Monthly Bank Transfer
Transfer your monthly installment directly to Hala. One predictable payment per month. Your monthly payments are fixed, making budgeting easy and predictable.
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.”
“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.”
“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.”
Got Questions? We Have Answers.
Still have questions? We're here to help.
Contact UsStill have questions? We're here to help.
Contact Us
Get the capital
your business deserves
Apply online in minutes. No branch visits, no paperwork.
Financing up to 2M with terms that work for your business.
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.
Upgrade Your Payment Infrastructure
Upgrade or expand your payment systems with Hala POS devices while accessing financing for rollout and operations.
Control Your Business Spending
Use Hala cards and expense management tools to set limits, track transactions, and control exactly how your funds are spent.
