Muhlah

Bidaya is a provider of home financing services.

Derayah Financial is a digital investment firm and brokerage that provides online access to local and global stock, ETF, bond, margin trading, and derivatives markets, as well as Shariah-compliant advisory and robo-advisory services. The firm offers mutual funds, real estate investments, discretionary portfolio management, and research tools.

AviLease is an aircraft lessor with a portfolio of the latest generation, environmentally friendly aircraft, on lease to commercial airlines.

D360 Bank is a digital bank that offers mobile-based banking services, including account management, payments, money transfers, debit cards, and family spending tools. The bank provides Shariah-compliant financial products and enables customers to manage their finances through a digital platform. It also supports international transfers, digital payments, and card management services.

Stitch develops payment infrastructure and financial technology tools that support online and in-person transactions for businesses. The company provides APIs and payment solutions for bank transfers, card payments, recurring billing, payouts, and financial data connectivity. Its platform enables businesses to manage payment processing, customer authentication, reconciliation, and transaction reporting through integrated systems and developer tools. Stitch also supports checkout customization, fraud monitoring, and payment orchestration across multiple financial service providers. The company works with enterprises and digital platforms across sectors such as retail, financial services, and commerce to support payment operations and money movement processes.

Hala offers a payment and wallet solution for individuals and point-of-sale (PoS) services that enable merchants to accept credit card payments.

Snbla is a financial technology startup based in Riyadh that is changing the way people save for expensive purchases. Established in November 2023, Snbla offers a platform called Save Now, Buy Later (SNBL) that helps users achieve their financial goals. By combining easy saving solutions with partnerships with merchants, Snbla makes big-ticket items more affordable and attainable. Users can enjoy a personalized and flexible savings experience with features like automated round-ups, recurring deposits, and group savings. Brands also contribute to users' savings through rewards and cashback incentives, creating a mutually beneficial system that encourages loyalty and trust. Snbla directly integrates with merchants to help users track their savings goals, manage virtual escrow accounts, and access special promotions that reduce customer acquisition costs and increase long-term engagement. The system is designed to boost average order value and encourage repeat purchases, especially among Gen Z and consumers who prefer not to use credit. Snbla's goal is to redefine savings as a rewarding, collaborative, and inclusive process for everyone. The company aims to empower individuals to manage their finances effectively while helping brands establish meaningful connections with their customers.

شركة أريب المالية هي شركة مساهمة سعودية مقفلة ، ومقرها الرئيسي بمدينة الرياض، مرخصة من قبل هيئة السوق المالية لممارسة أنشطة الترتيب، وتقديم المشورة في أعمال الأوراق المالية، بموجب ترخيص هيئة السوق المالية رقم 30/08119، كما حصلت شركة أريب المالية على رخصتي إدارة صناديق الاستثمار، وإدارة محافظ العملاء في 12/06/2018م بموجب الخطاب الصادر من هيئة السوق المالية برقم ص/1/6/4214/18 بتاريخ 12/06/2018م.

NQOODLET is an electronic platform targeting SMEs to manage their expenses, purchases through the credit cards given to the employees.

uba is a healthtech platform revolutionizing the way businesses manage and finance employee healthcare in Saudi Arabia and the MENA region. Unlike traditional health insurance, Tuba enables companies to directly fund and control their healthcare spending while offering employees seamless access to medical services. Using AI-powered modules for claims approval, cost prediction, and fraud detection, Tuba simplifies administration, reduces costs, and improves transparency. Businesses gain real-time insights, flexibility in designing benefit plans, and a better overall healthcare experience for their workforce.

Moneymoon is the first P2P lending app in Saudi Arabia that offers a one-month loan model tied to salary, connecting borrowers and lenders directly with no intermediaries or paperwork. Borrowers can request small, short-term loans between SAR 1,000 and SAR 5,000, repaid in a single installment on their next salary. The process is completely digital and fast, with funds usually received in minutes. Lenders have access to short-term lending with transparent borrower scoring and one-month maturity. Auto-Lend allows lenders to reinvest automatically based on risk preferences. Licensed under the Saudi Central Bank's Regulatory Sandbox in 2024, Moneymoon has gained popularity in the Kingdom for its simple, ethical, and user-friendly platform. Moneymoon is revolutionizing personal finance.

BuildNow is MENAP's first "Build Now Pay Later" solution. We fund the raw materials construction & manufacturing SMEs need, while providing credit terms tailored to optimize their cash flow and supercharge their growth.