Saudi Home Loans

What Saudi Home Loans does

Saudi Home Loans, now operating as SHL Finance Company (شركة سهل للتمويل), is a Riyadh-headquartered, SAMA-regulated, Sharia-compliant finance company that has offered Islamic financing products to Saudi customers since 2007. The company is publicly listed on the Saudi Exchange under ticker 1183 and operates with a Board of Directors, a Shariah Committee, and formal corporate governance disclosures through investor relations channels. Its registered office is P.O. Box 27072, Riyadh, postal code 11417.

The company's product portfolio spans four core lines: Individual Financing (comprising Real Estate Financing/home finance and Personal Financing), Commercial Financing (commercial real estate and commercial personal financing), and Small and Medium Enterprises Financing. Underlying delivery is a fintech-style platform that includes a self-serve digital application portal (ifin.shlfinance.com), quick and detailed online financing calculators, an 800-number call center (800 122 1228), and active social channels on Twitter, LinkedIn, and YouTube. A partnership with the Wasalt real estate marketplace integrates property search into the financing journey, while a Sharia-compliant credit facility agreement with Bank Sohar International provides diversified wholesale funding.

Revenue is generated through financing charges and arrangement fees on funded amounts, with pricing tied to SAIBOR benchmark rates and disclosed through published rate sheets. The customer base is segmented across retail individuals (primary), commercial entities, and SMEs, all served via direct-to-consumer digital and inside-sales channels within Saudi Arabia. Customer support, complaints handling, consumer protection, and data privacy policies are published on the corporate website, consistent with SAMA oversight requirements.

Name

Saudi Home Loans

Legal name

شركة سهل للتمويل

Website

https://saudihomeloans.com

Company type

Public

Founded year

2007

Operating status

Operating

Headcount range

101–250 employees

Short description

Saudi Home Loans (SHL Finance Company) is a Riyadh-based, SAMA-regulated, Sharia-compliant finance company publicly listed on the Saudi Exchange, offering Islamic home, personal, commercial, and SME financing products to Saudi retail and business customers since 2007.

Ownership category

akta.pro rank

Product category

Islamic Consumer & Commercial Finance

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Islamic SME & Commercial Banking (FSABAGAB)

akta.pro secondary industry

Shariah Governance, Compliance & Advisory (Shariah Boards, Audit, Fatwa) (FSABAGAJ)

Keywords

• Islamic home financing
• Sharia-compliant lending
• Real estate financing
• Personal financing
• SME financing

Headquarters

HQ city

Riyadh

HQ country

Saudi Arabia

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Islamic Financing Products: SHL Finance generates revenue through Sharia-compliant financing solutions including mortgage financing, personal financing, and commercial financing. Revenue is derived from financing charges and arrangement fees on funded amounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Saudi Home Loans (SHL Finance) is a Saudi-listed, SAMA-regulated Islamic finance company offering Sharia-compliant financing products. Its portfolio includes individual financing (real estate and personal), commercial financing (commercial real estate and commercial personal), and small and medium enterprise (SME) financing, supported by a digital application portal and online financing calculators.

Product overview

Saudi Home Loans (SHL Finance) is a Sharia-compliant financing company offering a unified portfolio of Islamic financing products. The core offerings include Individual Financing (comprising Real Estate Financing and Personal Financing), Commercial Financing (including Commercial Real Estate Financing and Commercial Personal Financing), and Small and Medium Enterprises (SME) Financing. The company also provides digital calculator tools to assist customers with financial planning. All products are structured to comply with Islamic Sharia law and are supervised by the Saudi Central Bank.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Financing (تمويل الأفراد)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Wasalt (وصلت للخدمات العقارية)coreGTM or Marketing PartnerWasalt is a real estate services platform partnered with SHL Finance to provide property search capabilities integrated into SHL's customer journey. The partnership enables customers to search for properties while exploring financing options.

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Saudi Investment Bank: Saudi bank offering Sharia-compliant financing including home finance products; competes with SHL in Islamic mortgages with broader corporate and investment banking capabilities.
• Saudi National Bank (SNB): Largest Saudi bank formed through the NCB/Samba merger, offering home finance alongside corporate and investment banking; a major competitor to SHL in Saudi mortgage lending.
• Alinma Bank: Saudi Islamic full-service bank with a meaningful home finance portfolio; competes with SHL on Sharia-compliant mortgage products while offering deposits, payments, and corporate banking.
• Riyad Bank: Major Saudi bank with a sizeable home finance book; competes with SHL for Islamic home loan customers from a full-service banking platform.
• Al Rajhi Bank: Largest Saudi Islamic bank offering a full suite including home finance; competes with SHL in Sharia-compliant mortgages while serving retail, commercial, and corporate segments at much greater scale.
• Banque Saudi Fransi: Saudi bank offering retail home finance alongside corporate and treasury services; competes with SHL in Saudi mortgage lending while serving broader customer segments.
• Bank AlJazira: Saudi bank offering Sharia-compliant retail and home finance products; competes with SHL in Islamic mortgages while operating a broader banking franchise.
• Bank Albilad: Saudi Sharia-compliant bank providing retail, corporate, and home finance products; directly competes with SHL in the Islamic mortgage segment from a broader banking platform.

Direct peers

• Amlak International for Real Estate Finance: Saudi Sharia-compliant home finance specialist offering mortgage and real estate financing products; the most direct peer to SHL Finance Company given its similar niche focus and customer base.

Others

• National Housing Company (Saudi Arabia): Government-affiliated Saudi entity driving housing supply and homeownership initiatives under Vision 2030; shapes the overall Saudi housing market that SHL operates in, and is a potential partner or counterparty rather than direct competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/SaudiHomeloans_
• YouTubeyoutube.com/channel/UCfJlXGGTe_4BjqPgIdWaYnQ/featured
• LinkedInlinkedin.com/company/saudi-home-loans

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Saudi Home Loans