AMLAK Finance Egypt

What AMLAK Finance Egypt does

AMLAK Finance Egypt (أملاك للتمويل – مصر) is a private, Egypt-domiciled financial services company founded in 2007 that provides Sharia-compliant (Islamic) real estate financing to individuals and businesses. The company operates under Egyptian Financial Regulatory Authority (FRA) registration number 3/48 dated 19 February 2007, and is headquartered at 2 Wadi El Nile Street, Mohandessin, Giza. Its core purpose is to extend Ijara-based property financing in a market where conventional mortgage access is constrained and a meaningful share of borrowers require Sharia-compliant structures.

The company's product set is organized around the "Ejarah" (إچارة) line and comprises three core offerings: (1) Ejarah Purchase — purchase financing for residential, administrative, commercial units, and medical clinics, with up to 90% loan-to-value, a maximum ticket of 60 million EGP, and repayment tenors of up to 15 years; (2) Ejarah Assets — an asset-based/refinance product allowing property owners to unlock up to 80% of an existing property's value as liquidity without selling; and (3) Real Estate Portfolio Purchase Financing — a developer-focused program that finances finished units within Egyptian real estate projects. The technology stack is a conventional financing platform with no disclosed proprietary technology, app, or digital onboarding; distribution is direct, via a sales team, hotline (19931), email, and the corporate website.

AMLAK's business model is transaction-based, generating revenue through Ijara financing arrangements (rental/lease-based structures compliant with Islamic principles) tied to each originated deal. Its two customer segments are individual homebuyers (primary) and Egyptian real estate developers (secondary). On the developer side, AMLAK has multi-year relationships with the country's four largest real estate developers — Emaar Misr, SODIC, Palm Hills Developments, and Talaat Moustafa Group — which supply its inventory of ready-to-finance units. Funding is sourced from a network of Egyptian banks (Ahli Bank, Banque Misr, EG Bank, AIB, among others). In February 2026, the Egyptian Competition Authority cleared a 100% acquisition of AMLAK by a consortium led by Al Baraka Bank Egypt, marking a significant ownership transition for the entity.

Name

AMLAK Finance Egypt

Legal name

Amlak Finance Egypt

Website

https://amlakfinance.com.eg

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

AMLAK Finance Egypt is a private, FRA-regulated Egyptian financier founded in 2007 that provides Sharia-compliant Ijara real estate financing — purchase, asset-based, and developer portfolio — to individual homebuyers and property developers, anchored to partnerships with Egypt's largest real estate developers.

Ownership category

akta.pro rank

Product category

Islamic Real Estate Financing

NAICS

Sales Financing (52222)

SIC

Mortgage Bankers & Loan Correspondents (6162), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH)

akta.pro secondary industries

Islamic SME & Commercial Banking (FSABAGAB), Islamic Corporate Banking (FSABAGAC)

Keywords

• Islamic real estate financing
• Sharia-compliant mortgages
• Ijara property finance
• Real estate developer financing
• Asset-based property lending

Headquarters

HQ city

Al Jizah

HQ country

Egypt

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Ijara Financing Services: Amlak Finance Egypt generates revenue through Islamic-compliant real estate financing arrangements (Ijara). The company provides financing for property purchases up to 90% of property value with maximum financing of 60 million Egyptian pounds and repayment periods up to 15 years. Revenue is generated through transaction-based financing arrangements compliant with Islamic Sharia principles.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

AMLAK Finance Egypt provides Islamic-compliant (Sharia-compliant) real estate financing through its Ijara product line. Core offerings include Ejarah Purchase financing for individuals and companies to buy residential, commercial, administrative units, and medical clinics (up to 90% of property value, max 60M EGP, up to 15 years), Ejarah Assets financing to unlock liquidity from existing property (up to 80% of value), and a Real Estate Portfolio Purchase Financing program for developers.

Product overview

AMLAK Finance Egypt is a real estate financing company founded in 2007 offering a portfolio of Islamic-compliant (Sharia-compliant) financing products through its "Ejarah" (إچارة) product line. The core offerings include: (1) Ejarah Purchase – financing up to 90% of property value for buying residential, commercial, and administrative units; (2) Ejarah Assets – asset-based financing enabling property owners to unlock liquidity (up to 80%) without selling; and (3) Real Estate Portfolio Purchase Financing – a developer-focused program for financing completed units in real estate projects. All products are supervised by Egypt's Financial Regulatory Authority (FRA) with financing amounts up to 60 million EGP and repayment periods up to 15 years.

Differentiator

Problem solved

Functional benefit

Products and services

• Ejarah Purchase (إچارة - شراء) Islamic-compliant real estate financing product enabling individuals and companies to obtain financing up to 90% of property value (maximum 60 million EGP) for purchasing residential, commercial, administrative units, and medical clinics, with repayment periods up to 15 years. Available to both individuals and companies through a specialized sales team.
• Ejarah Assets (إچارة - أصول) Asset-based Islamic financing product that enables property owners (individuals or companies) to obtain financing up to 80% of their current property's value and convert it into immediate liquidity without selling the property. Maximum financing of 60 million EGP and repayment periods up to 15 years.
• Real Estate Portfolio Purchase Financing (تمويل شراء محافظ مالية وعقارية) Sharia-compliant financing program for real estate developers in Egypt to complete their projects by purchasing real estate portfolios and obtaining necessary funding at competitive rates for finished units in their real estate projects.

Quantifiable outcome

• Financing available up to 90% of property value, maximum 60 million EGP

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• Emaar MisrcoreStrategic or Co-development PartnerMajor Egyptian real estate developer whose completed units have been financed through Amlak Finance Egypt since 2007. Emaar Misr is one of the largest developers in Egypt known for luxury projects.
• SODIC (سوديك)coreStrategic or Co-development PartnerLeading Egyptian real estate development company with units included in Amlak's financing portfolio. SODIC is known for integrated community developments in Egypt.
• Palm Hills DevelopmentscoreStrategic or Co-development PartnerMajor Egyptian real estate developer whose projects have been part of Amlak's financing offerings since the company's founding in 2007.
• Talaat Moustafa Group (طلعت مصطفى)coreStrategic or Co-development PartnerEgypt's largest real estate developer whose projects have been financed through Amlak Finance Egypt's programs since 2007.
• Financial Regulatory Authority (FRA)coreOthersAmlak Finance Egypt is under the supervision and regulation of the Egyptian Financial Regulatory Authority with registration number 3/48 dated 19/2/2007. This regulatory relationship is fundamental to the company's licensing and operations.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Banque Misr: Major Egyptian state bank with a sizeable real estate and mortgage finance arm serving both individual and developer clients, including Sharia-structured offerings through its Islamic banking window.
• Housing & Development Bank (HDB) Egypt: Egyptian state-affiliated bank specializing in housing and real estate finance for individuals and developers, directly overlapping Amlak's Ejarah Purchase and developer portfolio financing programs.
• Commercial International Bank (CIB) Egypt: Egypt's largest private-sector bank with a growing mortgage book; competes with Amlak for retail homebuyers and is increasingly active in Islamic-structured real estate financing.
• Al Baraka Bank Egypt: Egyptian Islamic bank that is the lead acquirer of Amlak Finance Egypt and competes directly in the same Sharia-compliant retail and corporate finance space, including real-estate-linked products.
• Faisal Islamic Bank of Egypt: One of Egypt's largest Islamic banks, offering Sharia-compliant financing including real estate and housing products to retail and corporate customers — the closest direct comparator to Amlak's niche.
• Egyptian Gulf Bank (EGB): Egyptian private bank offering real estate and personal financing products, with a growing Islamic finance presence that overlaps with Amlak's Ejarah offerings.

Regional players

• Kuwait Finance House: Major Kuwaiti Islamic bank with cross-MENA real estate finance operations; useful as a regional benchmark for Sharia-compliant mortgage product design and developer financing capabilities.
• Al Rajhi Bank: Saudi Arabia's largest Islamic bank and a global benchmark in Sharia-compliant retail mortgage finance; the regional scale leader Amlak's niche model is patterned after, though it does not operate in Egypt.
• Dubai Islamic Bank: UAE's flagship Islamic bank with a substantial real estate financing book; comparable in product design (Ijara-based home finance) but does not directly compete in Egypt.

Broad incumbents

• National Bank of Egypt (NBE): Egypt's largest state-owned bank with broad retail and corporate banking, including a significant mortgage and real estate finance division that competes across price tiers and Sharia / conventional lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Amlakfinanceeg
• Facebookfacebook.com/amlakfinanceegypt

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

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 AMLAK Finance Egypt