The legal, regulatory, and Sharia compliance requirements surrounding financing transactions are complex and highly specific. Trabulsi & Co ensures that financing arrangements, whether for equipment, vehicles, real estate, or large infrastructure projects, are structured, documented, and registered correctly under Saudi law.
Our asset finance law firm has extensive experience in various asset finance sectors and deals with different types of assets, such as aircrafts, vessels, equipment, rail and various industrial facilities.
We offer advice on all kinds of asset finance solutions, including but not limited to debt, lease, and export credit. In addition, our experience as asset finance lawyers provide risk mitigation, negotiate favorable terms with lenders, and protect clients’ rights in the event of default or enforcement.
We are known for advising clients on innovative transactions that have established us as a leading firm in the asset finance market.
We help clients navigate the Unified Registry of Rights over Movable Assets, comply with Saudi Central Bank (SAMA) and Capital Market Authority (CMA) regulations, and ensure that transactions meet Sharia standards to avoid invalid contracts.
Whether you need secured finance counsel or legal support for high-value transactions, our experienced legal team has the resources and expertise to serve you.
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Share key details about your financing requirements, whether it’s equipment financing or energy infrastructure financing, and our legal team will respond with next steps. Need immediate insights on asset financing? Book a free consultation today and get direct guidance.
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The documentation required for asset-backed financing in Saudi Arabia includes the borrower’s financial information, such as recent bank statements, proof of company ownership and corporate governance documents. The borrower will also need to provide title deeds (for real estate), invoices or ownership documents for moveable assets, valuation reports, agreements or contracts clearly setting out terms, and a credit record. Our asset finance law firm can take you through the requirements and offer advice.
Saudi asset finance laws differ from international standards due to an emphasis on Sharia laws and conventional secured finance structures. This dual requirement is less typical in many jurisdictions that are purely secular. Recent reforms, however, have aligned more closely with international standards. These include the use of the Unified Registry of Rights over Movable Assets (Unified Registry) and the Real Estate Mortgage Register, to record and improve security interests. The complexity and specificity of financing transactions in Saudi is precisely why individuals and companies need the guidance of asset finance law firms.
The types of collateral typically accepted for secured finance deals are real estate, movable assets (e.g., vehicles, equipment, inventory, etc.), future receivables under contracts, and in some deals, intangible assets (e.g., intellectual property, rights under contracts, etc.)
The legal steps to register security interests under KSA law are creating a security agreement, then lodge a copy of the agreement with the Unified Registry, for movable assets, or Real Estate Mortgage Register, for real estate. You must also ensure that the financier or lender is a licensed entity.
The legal mechanisms that ensure Sharia compliance in asset-backed securities are Sharia boards for the initial and ongoing approval, Sharia audits to ensure operations continue in compliance after issuance, regulatory compliance, and disclosure and prospectus requirements (including Sukuk). Our asset finance law firm can walk you through the mechanisms in place to ensure Sharia compliance for asset-backed securities (e.g. Sukuk) and Sharia-friendly asset financing.