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Yanal Finance Company
Yanal Finance Company, founded 2001 in Riyadh as Saudi ORIX Leasing, delivers leasing, real estate development, and SME financing across six Saudi cities.
Yanal Finance Company
The firm was established in 2001 under the name Saudi ORIX Leasing Company, with roots in equipment and asset-backed lease structures. It has since rebranded to Yanal Finance Company, extending its product line to include real estate development financing, SME bank-funded facilities, Kafalah-guaranteed lending, and corporate Murabaha structures. Its geographic foot-print spans six cities — Riyadh, Jeddah, Al Khobar, Jubail, Khamis Mushait, and Al-Qassim — which makes it a physically distributed balance-sheet lender within the Kingdom. Yanal's product stack spans traditional leasing services, sale-and-leaseback arrangements, and direct corporate term financing, with an explicit carve-out for real estate development projects under a dedicated "RED" product. The firm participates in state-linked programs: it distributes Kafalah-guaranteed facilities (a Saudi small-business guarantee scheme) and SME Bank-funded loans, positioning itself as a conduit for government-mandated credit expansion. In 2018, it was recognized as the Best SME Leasing and Financing Company in Saudi Arabia by International Finance Awards and separately won a performance award under the Kafalah program presented by the Ministry of Commerce Investment. Yanal maintains a six-branch operations hub with customer-facing phone lines per city, signaling a high-touch originations model rather than a purely digital or institutional funding approach. Its workforce figure is not publicly disclosed. The firm does not publish AUM or cumulative deployment data. Governance infrastructure includes a whistleblowing hotline and a compliance function reporting directly on AML and anti-fraud matters — a structural feature typically associated with regulated lending institutions. A recent dated event shows the firm joined the Financial Stability Forum's fifth edition represented by a named officer, Mr. Bader Alswailem. Yanal is a balance-sheet lender licensed as a non-banking financial institution, meaning it funds its leasing and financing book from its own equity, bank lines, or debt capital markets rather than third-party LP commitments. This capital structure distinguishes it from fund-of-funds or co-investment vehicles and embeds it squarely in the origination-and-hold lending landscape of Saudi Vision 2030's credit-access push.
General information
Firm type
Generalist
Year founded
2001
AUM
Undisclosed
Location
Region
Middle East
Country
Saudi Arabia
City
Riyadh
Corporate office
Yanal Finance Company 3612, Prince Fawaz Bin Abdul Aziz, Postal code 12813, Riyadh 7997, Saudi Arabia
Additional offices
Jeddah, Saudi Arabia · Al Khobar, Saudi Arabia · Jubail, Saudi Arabia · Khamis Mushait, Saudi Arabia · Al-Qassim, Saudi Arabia
Sector focus
Frequently asked questions
What financing products does Yanal Finance Company offer?
Yanal provides leasing services, sale-and-leaseback arrangements, corporate financing via Murabaha, real estate development financing (its 'RED' product), SME bank-funded facilities, and Kafalah-guaranteed loans. The product set reflects a dual role serving mid-market corporates and government-credit-guarantee programs in Saudi Arabia.
Is Yanal a deposit-taking institution or a non-bank lender?
Yanal is a non-banking financial institution. It does not take retail deposits. Its balance-sheet lending is funded through equity, bank lines, or debt capital market access rather than customer savings.
How many physical branches does Yanal operate, and where are they located?
Yanal operates six branches across Saudi Arabia: its Riyadh headquarters, plus offices in Jeddah, Al Khobar, Jubail, Khamis Mushait, and Al-Qassim. Each branch maintains a separate public phone line for customer contact, indicating a localized sales and service model.
Does Yanal Finance Company manage third-party LP capital?
No. Yanal is a principal investor deploying its own balance sheet through direct origination of leases, loans, and development financing. It does not operate a fund model or accept outside limited partner commitments.
What is the firm's relationship with Kafalah and the Saudi SME Bank?
Yanal distributes government-backed credit via Kafalah-guaranteed facilities and SME Bank-funded loans. It won a performance award under the Kafalah program in 2018, indicating active participation as a conduit for state-mandated small-business lending. (per firm website)
Where does Yanal's name and corporate identity originate?
Yanal was originally incorporated as Saudi ORIX Leasing Company in 2001, reflecting a legacy tie to the ORIX leasing brand. It later rebranded to Yanal Finance Company — a localized identity — while retaining its core leasing and corporate finance franchise.
How does Yanal handle governance and compliance reporting?
Yanal maintains a whistleblowing hotline and an email channel (whistleblowing@yanal.com) for employees and external stakeholders. The reporting line routes to the Head of Compliance, AML & Anti-Fraud, a structural signal of its governance framework as a regulated Saudi non-bank lender. (per firm website)
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