.svg)
Liquidity and Cash Flows
Maintaining the liquidity needed for the activity to continue.
Business Financing to Support Your Company's Growth
Get business financing through Lendo with digital financing solutions that comply with Islamic Sharia principles, helping your company manage its financial needs and support the continuity and growth of its operations.
Licensed and supervised by the Saudi Central Bank | Compliant with Islamic Sharia principles | Simplified digital procedures
Business Financing for Small and Medium Companies
Business financing helps companies access the capital they need to continue their operations, handle liquidity requirements, or execute growth plans, instead of relying solely on the cash flows available inside the company.
The nature of the suitable financing differs according to its purpose; one company may need to address delays in collecting its receivables, while another needs to fund its operational needs or carry out expansion and investment plans.
Through Lendo, financing for small and medium enterprises can be accessed via Sharia-compliant digital solutions, with the company undergoing an eligibility review in line with the requirements of the financing solution suited to it.
Business Financing Solutions from Lendo
The needs of companies do not rest on one type of financing; this is why Lendo provides several business financing solutions, with each solution linked to a different financial or operational need.
Invoice Financing
Allows companies to make use of deferred sales invoices and convert part of their value into liquidity instead of waiting for the collection date. Invoice financing at Lendo reaches up to 7,500,000 SAR according to the product's terms and eligibility.
Working Capital Financing
Provides short-term liquidity that helps the company handle its operational needs, such as salaries, supplier payments, inventory, and seasonal gaps in cash flows.
Term Financing
A financing solution for companies that need a longer financing period to cover their business needs. Lendo currently offers term financing of up to 3,000,000 SAR for a period of up to 24 months according to the product's terms.
How Does Your Company Benefit from Financing Across Its Growth Stages?
Obtaining business financing does not necessarily mean the company is facing a financial problem; financing can be a tool for managing the operating cycle or making use of a business opportunity at the right time.
Depending on the nature of the product and the eligibility, financing can serve needs such as paying suppliers, covering salaries and operational expenses, purchasing inventory, handling cash flow gaps, making use of deferred invoices, and purchasing equipment or supporting certain growth and expansion plans.
Suppliers
Meeting obligations towards suppliers on their due dates.
Salaries and Expenses
Supporting short-term operational expenditure.
Inventory
Providing the liquidity needed to meet inventory requirements.
Equipment and Business Development
Financing needs are linked to developing operational capacity.
Growth and Expansion
Supporting the company's plans when they require additional capital.
How Do You Choose the Right Financing for Your Company?
Choosing the financing solution does not depend only on the financing amount you need; it starts with identifying why the company needs the liquidity.
Your company's situation
The solution that can be considered
You have deferred sales invoices and need liquidity before the collection date
You need to cover salaries, suppliers, or inventory
You are facing a temporary gap in cash flows
You need financing that extends over a longer period
You are planning to purchase equipment or develop your business
In this way, small companies and mid-sized companies can identify the right starting point before submitting a financing application, while the final approval and the type of product available remain linked to the outcome of the eligibility assessment.
Who Can Apply for Business Financing from Lendo?
Lendo's solutions target small and medium enterprises registered and operating in the Kingdom of Saudi Arabia, including businesses with active operations and revenues that are looking for financing solutions compliant with Islamic Sharia principles, with every application subject to an eligibility review.
There is no single set of conditions that can be generalised across all products
the requirements differ according to the type of financing. Invoice financing, for example
- Requires a valid commercial registration
- Unpaid deferred sales invoices from trusted entities
- Operating history of no less than one year
- Minimum revenue of 2,000,000 SAR
What Documents Might You Need When Applying?
The documents required differ according to the product, the program, and the company's situation. On the working capital page, Lendo lists among the required documents: a valid commercial registration, the articles of association and the authorization letter, the latest financial statements, the approved invoice or purchase order, and the signed promissory note.
The Small and Medium Enterprises Bank program page also displays documents such as the national ID, the company profile, the tax registration certificate, the Zakat certificate, and the IBAN certificate, alongside the core business documents.
Note: The final documents required depend on the product and the program you are applying to.
How Do You Obtain Your Company's Financing Through Lendo?
After identifying the company's need, the journey moves from searching for financing to assessing the eligibility of the company and completing the application.
Submitting the application online
Entering the company's data and starting the financing request through the platform
Eligibility review
Lendo reviews the application and assesses the extent to which the company meets the financing requirements.
Completing the financing requirements
Submitting the documents and data required according to the product.
Approval and disbursement
Upon approval and completion of the requirements, the application moves to the disbursement stage according to the product's mechanism
Repayment
Repayment takes place according to the terms and the period agreed in the financing contract.
Business Financing in Riyadh Through a Digital Experience
If you are looking for business financing in Riyadh or business funding in Riyadh, Lendo gives eligible companies access to its financing solutions through a digital application and review process.
Lendo notes that its headquarters is located in the Al Yasmin district in the city of Riyadh, while the financing process relies on a digital experience covering the application, the verification, and the eligibility review.
Financing Programs Supporting Small and Medium Enterprises
Alongside its direct financing products, Lendo provides access to financing programs linked to a number of government entities, which opens additional pathways to SME financing according to the company's sector and eligibility.
The Tourism Development
Fund solutions for eligible businesses operating in the tourism sector.
The Cultural Development Fund solutions
for businesses operating in the cultural and creative sectors.
The Ministry of Industry and Mineral Resources financing solutions
for small and medium industrial enterprises within the eligible sectors and initiatives.
The Small and Medium Enterprises Bank program
hort-term financing to support operational expenses and working capital for micro, small, and medium enterprises.
Monsha'at programs
solutions aligned with Monsha'at's role in improving access to capital for small and medium enterprises.
What Should You Know About Repaying the Financing?
Obtaining the financing is not the only part the company should assess; it is also important to understand the repayment mechanism and period before committing.
Lendo notes that repayment takes place according to the terms agreed in the financing contract. It also allows companies that have obtained financing the option of early repayment without imposing additional fees, and indicates the possibility of obtaining a discount on Lendo's profit upon early repayment, according to the mechanism and terms set out in the support center.
Why Lendo for Business Financing?
After explaining the products, the use cases, and the conditions, here is where we answer: why Lendo?
A licensed Saudi platform Lendo
Saudi Finance Company is subject to the supervision and oversight of the Saudi Central Bank to carry out debt crowdfunding activity, under license number 202203/أ61/
Financing compliant with Islamic Sharia
principles Lendo states that its financing solutions are carried out in accordance with Islamic Sharia principles.
A digital process
Submitting the application, reviewing it, and verifying eligibility all take place through a digital experience.
Clear costs and terms
Lendo's pages emphasise the clarity of the financing terms and costs, and the absence of hidden fees in the products that state this.
We bring your vision to life with fast, flexible financing
Through the Small and Medium Enterprises Bank program via Lendo, your business can obtain the right financing at the right time—whether for working capital, growth investments, or short-term needs. Take control of your business future today.