ARK is a licensed Saudi digital platform that combines PropTech and FinTech technologies to provide an innovative financing solution that enables property owners to convert documented lease contracts into immediate cash in a safe, legitimate, and smart manner.
ARK addresses a significant gap in the real estate market: the difficulty of obtaining immediate financing despite the existence of documented lease contracts and the absence of an effective secondary market for lease trading. Through its unique model, ARK allows owners or investors to benefit from the future income of their existing contracts without having to sell the asset or resort to traditional financing, which restricts owners and requires bank guarantees.

The platform purchases the future financial rights of documented lease contracts for an upfront cash amount less than the nominal value of the contract. The platform assumes the responsibility of collecting and managing the funds directly from tenants through an integrated electronic system. This enables property owners, companies, investment funds, and charities to boost their cash flow and deploy capital in new opportunities without impacting their assets or financial obligations.

ARC relies on smart analytical techniques, including evaluating future cash flows, verifying contracts through government connections, and assessing credit risk, making the financing process more secure and transparent. The platform also provides real estate performance management tools and detailed reports that help users make accurate, data-backed investment decisions.

ARC is also fully compliant with Islamic Sharia law, with an independent Sharia committee reviewing all operations and products to ensure full compliance. It also holds official licenses from the Real Estate Authority and the Saudi Fintech Authority.
Thanks to its simple interface and integrated digital experience, any owner or institutional entity can register a certified lease contract and request financing with the click of a button. They can then track the application status, receive payment, and manage collections—all through a single, reliable platform.

ARC offers a modern model in the world of real estate investment, linking technology, finance, and innovation. It contributes to supporting Saudi Vision 2030 by enabling individuals and companies to enhance liquidity and stimulate the real estate economy through a safe and effective digital method.

In short, ARC is not just a platform; it is a real estate financial revolution that empowers everyone to transform rental assets into real and sustainable financing opportunities.