Saudi Startup Ghanem Debuts Regulated Fractional Real Estate Investment Platform

Mohammed Fathy

Last updated 28-01-2026

3 min

Saudi startup Ghanem launches fractional property investing via an app, easing entry for small investors.

Users buy a “share of a property” and receive officially registered partial title deeds.

The product operates inside a Real Estate Authority sandbox, boosting trust and regulatory backing.

Founders say it tackles property feeling “out of reach” for younger or first-time investors.

Backed by a $7.

1m round, Ghanem’s real test will be liquidity and everyday user adoption.

A Saudi startup called Ghanem has rolled out a new fractional real estate product that lets users buy and invest in property without taking on the whole asset, which, to be fair, is often a bit of a faff for first‑time investors. The idea is simple enough: through the Ghanem app, users can purchase a share of a property, complete the entire transaction digitally, and receive an officially documented title deed for their portion, registered in the national real estate registry.

What makes this launch stand out is the regulatory footing behind it. The product has gone live within the regulatory sandbox of the Real Estate General Authority, following a direct technical integration with the Real Estate Registry (RER). In plain terms, that means the paperwork and ownership records are recognised by the authorities, not just stored in a private database somewhere. For a region where trust and clarity in property transactions really matter, that detail is spot on.

I’ve lost count of how many founders I’ve spoken to over the years in the Arageek community who say property investing feels out of reach for younger people or small ticket investors. So seeing a model like this take shape feels timely, even if fractional ownership still has its skeptics. And believe it or not, having partial title deeds officially recorded could be the detail that nudges cautious users off the fence.

That said, I reckon execution will be everything. Fractional property sounds brilliant on paper, but liquidity and exit options are where things can get tricky, well… you know? Still, Ghanem seems to be building with momentum. The company closed a $7.1 million investment round last November, a solid vote of confidence for a startup founded only in 2025.

Ghanem was set up by Saleh Al‑Ghamdi and Amr Essam, and it’s moving fast for such a young company. On the flip side, the real test will come once everyday users—not just early adopers—start navigating the app and relying on it for real money decisions. I’m not a fan of over‑hyping proptech, but this one feels definately worth watching as Saudi Arabia’s property market continues to open up in new ways.

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