# Yanal Finance Company

Yanal Finance Company is an Asset Manager based in Riyadh, Saudi Arabia.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Riyadh, Saudi Arabia
- **Region:** Middle East
- **Address:** Yanal Finance Company 3612, Prince Fawaz Bin Abdul Aziz, Postal code 12813, Riyadh 7997, Saudi Arabia
- **Founded:** 2001
- **Assets under management:** Undisclosed
- **Website:** yanal.com
- **LinkedIn:** https://www.linkedin.com/company/yanalfinance

## Regulatory record

- **Reports private funds:** No

## About

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.

## Sectors

- Real Estate
- Private Credit

## Offices

- Jeddah, Saudi Arabia
- Al Khobar, Saudi Arabia
- Jubail, Saudi Arabia
- Khamis Mushait, Saudi Arabia
- Al-Qassim, Saudi Arabia

## 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.

### 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.

### 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)

## Related profiles

- [Yana Investment Partners](https://altss.com/profile/yana-investment-partners)
- [Yangming Capital](https://altss.com/profile/yangming-capital)

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Last updated: 2026-06-03T20:00:00.000Z

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