Equity Release Loans

These loans allow businesses to access the cash tied up in debt-free assets such as residential and commercial buildings, warehouses, labor camps, and malls, providing liquidity without selling the asset.

Unsecured Business Loans

These loans do not require collateral and are granted based on the borrower's creditworthiness. Since they pose a higher risk to lenders, they typically require a strong credit score and financial history.

Working Capital Facilities

This loan or overdraft is used to finance a company's daily operations. It helps businesses manage short-term cash flow needs rather than funding long-term assets or investments.

Trade Finance Facilities

These financial instruments help companies facilitate international trade. They cover a range of financial products that banks and lenders provide to make trade transactions more secure and efficient.

Capex Loans

These funds help companies acquire, upgrade, and maintain physical assets such as property, buildings, technology, and equipment, allowing businesses to expand and modernize operations.

Invoices and Local Purchase Orders Loan

Funding the invoice amount and purchase orders with a value guarantee, without interest. It is considered a way to maintain the companies' liquidity so that the fund finances the value of the invoice or purchase order until the receipt of the goods or service or collection, and the payment is through single bullet payment/installments without any interest according to the term of the contract mentioned in the invoice or purchase orders.

Service Limitations:

• Funding Amount: The maximum limit is 10,000,000 Euro.
• Grace period: Subject to the supplier/customer payment terms
• The trade license of the company is valid
• The trade license of the supplier/suppliers is valid
• The minimum financial contribution of the applicant to the funding shall be 20%.
• Its assets will be mortgaged to the Integrated Registries Company for the registration of movable and pledged assets.
• Submitting single/multiple installment checks + a security check for the finance amount (according to the fund's policy).
• Signing an agreement with the institution in the presence of a notary public.
• The company must cover the cost of the notary.

Credit Loan

Entrepreneurs can obtain high-value credit loans with a value of more than one million dirhams and not exceeding 3 million through a bank guarantee from one of our bank and financial institution partners. Low interest, in addition to a grace period for loan repayment, enables Aratica members to cover costs and generate profits.

Customer Journey Steps

• Sign up on the Fund's website: Aratica.pro
• Initial approval of the request and guiding the applicant in submitting the funding request.
• The applicant meets with the fund team to review the work plan, the financial plan, and related documents.
• The applicant uploads the documents through the fund's website.
• Field visit to view the existing project (if required).
• Presenting the idea/ request to the credit committee.
• The applicant signs the financing contract and the payment schedule, in addition to other documents, and obtains copies of them.

Expecting Wait Time: 48 Hours.

Beneficiary

• Individuals Category - New Entrepreneurs from Citizens.
• Members Category - National Projects Owners.

Expansion Loan

It is a loan designed to encourage and motivate entrepreneurs to grow/expand in companies/sectors (related to F&B activity only) which they see as having potential for growth and satisfactory returns in the long term.