Fintech platform providing institutional-grade, tokenized private credit exposure to real SMEs across the GCC.
SMEs across the GCC lack transparent access to private credit,
while institutional capital remains inefficiently deployed.
Private credit markets remain opaque, with limited visibility into risk, structure, and performance.
This lack of transparency restricts institutional participation and capital deployment.
connecting institutional capital and boarder investors to the real economy
Direct exposure to SME credit is difficult to access through scalable, institutional-grade structures.
As a result, a core segment of the real economy remains underfinanced.
connecting institutional capital and boarder investors to the real economy
The GCC market is faces a persistent credit gap where traditional banks systematically underserve small and medium-sized enterprises.
Rigid underwriting, balance-sheet constraints, and risk-averse credit models exclude otherwise variable SMEs from access to working capital.
connecting institutional capital and boarder investors to the real economy
There is no trusted, institutionally credible connection between real SMEs and on-chain private credit assets.
As a result, tokenization remains largely disconnected from the real economy
connecting institutional capital and boarder investors to the real economy
FATRA connects real SME financing with institutional-grade, tokenized private credit through a compliant and transparent structure.
SME
Loan
Origination
FATRA originates and structures SME loans across the GCC,focusing on real businesses with verifiable cash flows.
Each loan is assessed, structured and monitored within a controlled framework.
Sharia
‑Compliant
Structuring
All transactions are structured in line with Sharia principles and institutional compliance standards.
This ensures alignment with regional investor expectations and long-term institutional capital standards.
Tokenized
Credit
Exposure
SME credit exposure is represented through tokenized instruments.
This enables transparency, traceability and efficient access to private credit.
Institutional
Investor
Access
Investors access diversified SME private credit through an institutional‑grade platform.
The structure supports scalable deployment and long‑term investment strategies.
Limited institutional access to a critical segment of the real economy — SMEs.
A mature financial hub with strong SME activity and supportive regulatory frameworks.
A rapidly expanding SME market driven by economic diversification and long-term growth initiatives.
FATRA operates at the intersection of real‑economy SME financing, tokenized private credit and institutional capital.
Real‑economy credit demand from small and medium‑sized enterprises across the GCC.
Structured, on‑chain representation of private credit designed for transparency and scalability.
Long‑term, compliant capital seeking diversified exposure to private markets.
Institutional-grade exposure to tokenized SME private credit, designed for long-term capital deployment.
All investment structures, mechanics, and allocations are provided upon request and subject to eligibility.
for building measured private credit exposure.
for investors targeting meaningful portfolio participation.
for long-term, institutional-style positioning.
FATRA is led by a team with deep institutional experience, regional expertise and a strong track record in structured finance and execution.
A milestone-based roadmap focused on platform development, controlled rollout, and regional expansion.
Initial Capital Raise
Execute a strucured capital raise to fund the establishment of the platform and the operating company. Proceeds are allocated to team build-out, technology development, legal structuring, and initial operating capacity. This phase is strictly separated from lending activity and does not involve credit exposure.
Platform & Operating Model Build-Out
Develop the core platform, internal processes, and operating model for SME credit origination and investor access. This includes risk frameworks, governance, reporting standards, and the technical infrastructure required to support future lending and capital participation.
Regulatory Alignment & Credit Instrument Issuance
Engage with regulators and complete the required approvals to issue compliant digital credit instruments. These instruments are structured to provide lenders with regulated exposure to SME private credit, with clear disclosures, eligibility criteria, and risk segmentation.
Lender Onboarding & SME Credit Deployment
Onboard lenders and begin extending credit to SMEs, starting with selected GCC markets and expanding gradually. Growth is paced by regulatory clearance, portfolio performance, and operational maturity to ensure disciplined and sustainable scaling.