What We Invest In

We are raising investment into a lease-to-own used car business in the UAE.

The model targets middle and low-income customers in the UAE who need reliable transportation but face challenges accessing traditional financing options.

This model offers flexibility and affordability, with customers becoming car owners after 24 – 60 months of payments.

Market opportunity: Filling the gap in car financing for middle and low-income individuals in the UAE market, who cannot obtain loans from banks.

Revenue model: Customers pay 20% per annum on the remaining cost of the car after a down payment of 10-50%, which will be determined based on the customer's inspection.

Average car cost: $45 000.

Industry Experience

Team has been operating in the UAE since 2022, under the TimAuto brand.
Long-term car rental was the first line of business established.

Challenges 

When we began selling repaired cars in the UAE, we identified a promising market niche for further development.

• High market entry barriers for customers (strict banking requirements)
• Shortage of accessible auto financing programs for middle-class consumers
• Strong demand for reliable financial instruments for car purchases

Our solution

Establishing a proprietary leasing company offering flexible and affordable car ownership terms.

Market Size

The leasing market of cars for private usage in the MENA region reached $5 billion in 2024 and is projected to grow to $9.1 billion by 2030. The market CAGR is expected to be 10.5% from 2024 to 2030.

Taking the market CAGR into account, which equals to 10.5% from 2024 to 2030, as well as the growth rate of the market share of Regolith Leasing, the achievable market size (SOM) will be estimated at $1.4 billion.

Competitive Analysis

Business Model

In the "lease-to-own" model, the company's risk is minimized:

• Cars are registered under the company until fully paid by the customer
• The company reclaims the car one 30 days after a payment default
• All cars are equipped with GPS trackers with a car lock function
• All cars have full insurance coverage

Required Investments 

Investment amount: $10 000 000

Min. investment amount: $25 000

Minimum period: 2 years

Annual return: 12%

After two years, the investor can withdraw their initial investment within three months of submitting a request. There is also an option to reinvest dividends or increase capital as the company grows.

Financial Model

Fleet: 580 vehicles in 2025-2026, scaling to 11 150 by 2029

Average vehicle cost: $45 000

Car return rate 85%

Theft and losses 1%

Funding: $10M investor capital in 2025

Investments = Assets: $19.7M (2025) – $379.3M (2029) are capitalized as cars on the balance sheet

Vehicles yield $81 000 (100% margin vs $40 500 net cost)

Total assets $1 206M by 2029

About Us

We are a team of professionals with over 5 years of experience in the premium car market in Dubai. Our mission is to make buying or selling a car as simple and profitable as possible for you. We offer a full range of services: from selection and registration to credit and leasing. Trust us, and you’ ll get the car of your dreams without any hassle.