Question 1

Is Ballurh Capital an interest-bearing loan?

Accepted Answer

No. The product is designed as Sharia-compliant Murabaha.

Question 2

How is my financing limit calculated?

Accepted Answer

The limit is based on your business’s actual delivery app performance, considering sales, continuity, and repayment patterns. The final offer is determined after assessment.

Question 3

What is a revolving limit?

Accepted Answer

Amounts you repay return to your available limit, so you can draw when needed within your approved limit instead of applying for new financing each time.

Question 4

Who chooses the repayment period?

Accepted Answer

You choose the amount and repayment period from the options available in your application, starting from 14 days. The final offer confirms the approved terms.

Question 5

When do I receive the funds, and can I choose how to use them?

Accepted Answer

After approval and completion of the procedures, the funds are deposited into your business bank account for needs such as inventory, payroll, campaigns, and suppliers.

Question 6

Who actually provides the financing?

Accepted Answer

Financing is provided by Ajras Information Technology Company (Ajras Pay). Ballurh provides the application experience and connects the performance data needed for assessment.

Question 7

Is my data shared without my knowledge?

Accepted Answer

Your data is not shared with a third party without your explicit consent. Before submission, the registration form explains what data is required and how it will be used.

Question 8

Who is Alteia Capital?

Accepted Answer

Alteia Capital is a closed Saudi joint-stock company, licensed by the Capital Market Authority under license 22236-12 since June 5, 2023, for investment management and fund operation, and arranging.

Question 9

Does registering my interest mean financing has been approved?

Accepted Answer

No. Registering your interest lets us contact you and begin assessment, but it is not an approval or final financing offer. Approval follows completion of the assessment and required procedures.

Question 10

What are the initial eligibility requirements for Ballurh Capital?

Accepted Answer

Initial eligibility is for Ballurh customers of at least three months, with monthly delivery sales of at least SAR 25,000 and a valid commercial registration for a restaurant or café. Final eligibility is subject to assessment.

Question 11

Can I draw from my financing limit in installments?

Accepted Answer

Yes. You can draw the amount you need within your approved limit and the final offer’s terms, rather than using the full limit at once. Repayments restore your available limit.

Question 12

How is the financing cost determined?

Accepted Answer

The final offer determines the cost based on the amount drawn, repayment period, and assessment data. There is no cost on the available amount you have not drawn.

Criterion	Traditional financing	Ballurh CapitalMore flexible
Assessment	Guarantees and documents	Based on actual sales across all apps
Decision	May take weeks	Within 24 hours (one business day)
Drawdown	One fixed amount	Draw only what you need, with a revolving limit
Repayment period	A fixed schedule	Choose it in your application, starting from 14 days
Cost	Often on the full amount	Only on the amount drawn
Structure	Varies by product	Sharia-compliant Murabaha

Fund your restaurant through your sales

Ballurh customers have generated over SAR 1.2 billion in delivery app sales

A financing limit that works the way you do

Illustrative example: an approved limit of SAR 100,000

Flexible financing based on your numbers

Your numbers determine your limit

Pay only on what you draw

Your limit grows with you

How do you apply?

Choose what you need

A decision within one business day

Funds in your account

Finance with confidence

Sheikh Dr. Faisal bin Saleh Al-Shammari

Ballurh Capital compared with traditional financing

Assessment

Decision

Drawdown

Repayment period

Cost

Structure

Numbers that show the scale of the opportunity

Register your interest in Ballurh Capital

Assessment based on your performance, without additional documents

A decision within 24 business hours

Sharia-compliant Murabaha, detailed in the final offer

Ballurh Capital FAQs

Ballurh Capital — powered by Ajras Pay

Licensed entity information