Arib
Arib is a SAMA-licensed Saudi digital brokerage platform that connects individual consumers and SMEs with 25+ banks and finance companies across personal, auto, real estate, and company financing up to SAR 1 million per transaction.
- Company typePrivate
- Founded2018
- HeadquartersRiyadh, Saudi Arabia
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Arib does
Arib (legal entity: Intelligence Solutions Company for Digital Brokerage) is a Saudi Arabia-based financial technology company that operates a digital brokerage marketplace connecting individual consumers and SMEs with 25+ licensed banks and finance companies for personal, automotive, real estate, and corporate financing products up to SAR 1 million per transaction. Founded in 2018 and headquartered in Riyadh, the company is licensed by the Saudi Central Bank (SAMA) under license number 79/ن م/202309, granted in September 2023, and is structured as a single-member limited liability company. The platform is delivered through a website (arib.com.sa) and mobile applications, with no physical branches; users complete account creation, KYC via the Nafath identity system, financing comparison across 400+ offers, and digital application submission entirely online.
The technology stack is built around an AI-driven credit matching engine that analyzes user financial and credit profiles to recommend optimal financing offers, supported by a Smart Financing Calculator, real-time income verification and IBAN validation through the Tarabut Gateway, and integration with the SIMAH credit bureau for fraud and default detection. The platform supports Sharia-compliant products, offers 30-second preliminary approvals and 24-hour final approvals, and bundles four core products — Personal, Car, Real Estate, and Company Financing — under a unified digital workflow. Additional distribution is delivered through embedded partnerships with Soum (second-hand marketplace) and Abdul Latif Jamil Financing (heavy equipment and microfinance).
Arib's revenue model is primarily transaction-based, earning commissions or referral fees from partnered lenders on financed volumes; a secondary stream is a 50 SAR non-refundable account creation fee with a 0 SAR promotional rate available. The company serves employed individuals in Saudi Arabia (both nationals and residents with minimum salary SAR 4,000 and age cap 65) and SMEs, with go-to-market executed through content marketing, SEO, social media, events such as Money20/20 Middle East, and embedded partner channels. As of the latest funding (May 2026, $23.5M led by Merak Capital), the company has raised approximately $25.8M in total and was recognized on the Deloitte Technology Fast 500 EMEA 2024 list with 599% revenue growth and the Deloitte Technology Fast 50 for two consecutive years.
Arib firmographics
Firmographics- Name
- Arib
- Legal name
- Intelligence Solutions Company for Digital Brokerage (شركة ذكاء الحلول للوساطة الرقمية)
- Website
- https://arib.com.sa
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Arib is a SAMA-licensed Saudi digital brokerage platform that connects individual consumers and SMEs with 25+ banks and finance companies across personal, auto, real estate, and company financing up to SAR 1 million per transaction.
- Ownership category
- akta.pro rank
Where Arib is headquartered
LocationHeadquarters
- HQ city
- Riyadh
- HQ country
- Saudi Arabia
- HQ region
- Middle East
Offices1 record
Markets served
Arib business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Others
Revenue model
- Digital Brokerage Commission: Arib acts as a digital intermediary between borrowers and lenders, earning commissions or referral fees from partnered banks and financial institutions when loans are originated through the platform
- Account Registration Fees: Platform charges nominal account creation fees (50 SAR mentioned; 0 SAR promotional rate available) for access to financing comparison and application services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Personal financing up to SAR 1 million with competitive APR starting at 4.5% |
| Transaction based/ take rate | Monthly | Car financing up to SAR 1 million with flexible repayment up to 5 years |
| Transaction based/ take rate | Monthly | Real estate financing up to SAR 1 million with repayment terms up to 30 years |
| Transaction based/ take rate | Monthly | Company financing up to SAR 1 million for SMEs |
| One time/ perpetual license | Pay-as-you-go | Platform account creation fee: 50 SAR (non-refundable) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Arib product offering
Product offeringCore offering
Arib operates a SAMA-licensed digital financing brokerage platform that connects individuals and businesses in Saudi Arabia with 25+ licensed banks and financial institutions. The platform enables users to compare 400+ financing offers across personal loans, auto financing, real estate mortgages, and SME financing, and submit applications entirely online. AI-driven matching algorithms, real-time income verification via Tarabut, and integration with the Nafath national identity system power the end-to-end digital brokerage experience.
Product overview
Arib is a digital financing marketplace platform — a unified platform connecting individuals and businesses with 25+ licensed banks and financial institutions in Saudi Arabia. The platform offers four core financing products: Personal Financing, Car Financing, Real Estate Financing, and Company Financing — all accessible through a single online application with instant approvals. An AI-powered Smart Financing Calculator provides real-time estimates, while Tarabut's embedded data services enable real-time income verification and fraud prevention. The platform is licensed by the Saudi Central Bank (SAMA) and features Sharia-compliant options throughout its portfolio.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Financing (التمويل الشخصي) Personal loan brokerage service enabling individuals in Saudi Arabia to compare and apply for personal financing up to SAR 1 million from 25+ lenders, with flexible repayment terms up to 5 years, Sharia-compliant options, and no guarantor requirements for residents.
- Car Financing (تمويل السيارات) Digital car financing brokerage connecting users with flexible car financing options up to SAR 1 million from 25+ licensed lenders, supporting all new and used car brands with paperless applications and vehicle delivery within 48 hours.
- Real Estate Financing (التمويل العقاري) Sharia-compliant real estate financing brokerage offering up to SAR 1 million with repayment terms up to 30 years, covering ready property, off-plan, self-build, land purchase, and mortgage refinancing across 25+ financing providers.
- Company Financing (تمويل شركات) Digital financing brokerage for SMEs and businesses offering up to SAR 1 million, including working capital, project financing, import/export financing, trade finance, asset financing, and investment financing, with free advisory support.
Quantifiable outcome
- 599% revenue growth - recognized in Deloitte Technology Fast 500 EMEA 2024
- +4 more outcomes
Companies that use Arib
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles3 records
Arib technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability5 records
Feature5 records
Arib partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and supporting.
- SoumcoreStrategic partnership with leading second-hand marketplace enabling customers to access seamless and secure financing transactions for electronics and vehicles. Signed during Money20/20 Middle East. Supports Vision 2030 digital economy goals and strengthens second-hand economy while promoting sustainability and innovation.
- TarabutcoreIntegration partnership with Tarabut Gateway to provide real-time income verification, IBAN validation, and secure payment services embedded in Arib's platform. Enables instant verification, fraud prevention, and move beyond simple price comparisons to deliver intelligent, personalized financing recommendations. Supports Vision 2030 financial services transformation goals.
- Abdul Latif Jamil FinancingcoreStrategic partnership integrating Abdul Latif Jamil Financing products (personal, car, consumer financing, and SME solutions including heavy equipment financing and 'Bab Rihab Jamail' microfinance program) directly onto Arib platform. Enables customers to compare and apply for financing offers electronically without paperwork.
- Bayan Credit Information CompanysupportingMembership agreement signed at Saudi Trade Finance Summit to enhance security and confidentiality of customer data from moment of platform access. Reinforces company's commitment to providing fully digital experience in corporate finance sector.
- 25+ Banks and Financial InstitutionscoreNetwork of 25+ licensed banks and financial institutions providing financing products on platform including Al Rajhi Bank, Saudi National Bank, Bank AlBilad, Alinma Bank, Riyadh Bank, Alawwal Bank, and others. Partners listed include: Al Taiseer, Rayet Finance, Murabaha, Leen Finance, Jibbi, Al Wataniya, Al Nayifat, Bedaia, Madfounat, Edge Finance, Viol, Alinma Bank, Yasmeen Finance, Tamheyal Finance, Al Jabr Finance, SAB, Abdul Latif Jamil, FAB, and others.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Arib competitors and assessment
Company assessmentRegional players
- MoneyFellows: Egypt/MENA fintech offering digital ROSCA (rotating savings) and lending products; comparable as a MENA-region digital alternative-credit platform targeting underserved consumer financing demand.
- Bayzat: UAE-based financial super-app offering insurance, payroll, and lending products to individuals and SMEs; comparable as a regional digital financial-services broker expanding across the GCC, including Saudi Arabia.
- Flow Bank: Saudi digital lender providing consumer and SME credit products directly; comparable because it competes for the same borrower demand that Arib aggregates, though as a direct lender rather than a multi-lender broker.
- Cashee: UAE/Saudi teen-focused digital banking and credit-building platform; comparable as a regional digital lending-adjacent fintech targeting consumer finance demand in GCC markets.
Emerging players
- Tabby: Saudi/UAE-headquartered BNPL and consumer credit platform; competes for Saudi consumer credit demand and overlaps with Arib's personal financing use cases, particularly for retail and online purchases.
- Tamara: Saudi/UAE-based BNPL and consumer finance platform expanding into longer-tenor credit products; competes for the same Saudi consumer credit wallet and increasingly offers installment financing that overlaps with Arib's personal loan category.
- Lean Technologies: MENA open-banking/API infrastructure provider serving fintechs and lenders across Saudi Arabia and UAE; comparable because it powers the data-verification layer Arib uses via Tarabut, and competes for the same fintech-lending ecosystem.
Direct peers
- Souhool: Saudi digital financing marketplace aggregating personal, auto, and SME financing offers from multiple lenders; competes head-to-head with Arib for Saudi borrowers shopping for the best financing offer.
- Lendo: Saudi Arabia-licensed digital loan marketplace connecting SMEs and individuals with multiple banks/financing providers; operates the same multi-lender brokerage model in the same SAMA-regulated market, making it Arib's closest direct competitor.
Broad incumbents
- STC Pay (now stc Bank): Saudi digital wallet and payments platform backed by Saudi Telecom, evolving into a neobank with lending products; competes for the same Saudi digital consumer finance wallet with the advantage of massive telecom distribution.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Arib social profiles
Digital presenceArib compliance and trust
Trust signalCompliance2 records
Arib financial estimates
Financial estimateRevenue estimate
Valuation estimate
Arib leadership team
Management profileNumber of profiles
Profiles3 records
Arib funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Arib M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Arib
What does Arib do?
Arib operates a SAMA-licensed digital financing brokerage platform that connects individuals and businesses in Saudi Arabia with 25+ licensed banks and financial institutions. The platform enables users to compare 400+ financing offers across personal loans, auto financing, real estate mortgages, and SME financing, and submit applications entirely online. AI-driven matching algorithms, real-time income verification via Tarabut, and integration with the Nafath national identity system power the end-to-end digital brokerage experience.
Is Arib a public or private company?
Arib is a private company. It is classified as venture growth investor backed and is currently operating.
When was Arib founded?
Arib was founded in 2018. It employs 51 to 100 people.
Where is Arib based?
Arib is headquartered in Riyadh, Saudi Arabia, in the Middle East region.
How does Arib make money?
Two revenue lines are on record. Digital Brokerage Commission is the primary driver. The others are account Registration Fees.
Who are Arib's main competitors?
Regional players on record are MoneyFellows, Bayzat, Flow Bank and Cashee. Emerging players are Tabby, Tamara and Lean Technologies. Direct peers are Souhool and Lendo. STC Pay (now stc Bank) is listed as a broad incumbent.
Does Arib have an API?
No public API is recorded for Arib.