SHL Finance

SHL Finance Company, rebranded in February 2023, operates as a joint stock entity publicly listed on the main financial market since April 2022. This strategic transformation facilitated the acquisition of licenses for consumer financing and providing financial solutions to small and medium enterprises (SMEs).

The company serves a varied clientele, including individual consumers and business establishments, aiming to bridge financing gaps with a spectrum of tailored financial products. It considers beneficiaries of housing subsidy programs from entities like the Real Estate Development Fund or the Ministry of Housing, and potentially clients affiliated with Arab National Bank.

SHL Finance Company's offerings encompass mortgage retail products, Ijarah (Islamic leasing), equity release, off-plan Murabaha (cost-plus financing for properties under construction), and self-construction financing. A digital financing calculator is available to assist clients with financial planning, providing estimates for informational purposes only, not as funding approval.

The firm's business model revolves around providing these financing solutions, generating revenue likely through interest income, profit margins on Murabaha transactions, and lease income from Ijarah contracts. Its governance is overseen by a Board of Directors with diverse industry experience, committed to the company's objectives.

Keywords: Consumer Lending, SME Financing, Mortgage Products, Islamic Banking, Property Finance, Financial Calculator, Public Company, Credit Services, Real Estate Subsidies, Financial Solutions Provider