We connect you with government-backed financing programs
Explore available initiatives, and eligibility checks, and apply with confidence through a Shariah-compliant platform.
About Lendo's Government Program Financing
Lendo, a licensed financing provider regulated by the Saudi Central Bank (SAMA), enables SMEs to apply for a range of national programs in partnership with key sectors, including TDF, CDF, SME Bank, MIM, SIDF, and Monsha’at. With clear requirements and streamlined processes, Lendo helps businesses access the program that best aligns with their operational and sector-specific needs.
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Financing Solutions Tailored to Your Business Needs
SMEs face different challenges - delayed receivables, operational cash-flow gaps, or planned future expenses. We provide, Shariah-compliant financing options so every business can find the right structure and repayment model.
Tourism Development Fund (TDF) Financing
Shariah-compliant working capital financing for tourism-sector SMEs under the Aoun Al-Tourism Program, supporting hospitality, travel services, F&B, and tourism experiences.
Cultural Development Fund (CDF) Financing
Flexible financing for creative-sector businesses, including film, production, cultural content, and creative services - aligned with the CDF’s strategic initiatives and processed by Lendo.
Ministry of Industry & Mineral Resources (MIM) Financing
Program-aligned working capital and invoice financing for industrial SMEs operating in approved sectors under the Ministry’s initiatives.
SME Bank Program Financing
Short-term, Shariah-compliant financing for micro, small, and medium businesses through the SME Bank Program, supporting operational expenses and working capital needs.
Monsha’at-Aligned SME Financing
Business financing aligned with Monsha’at’s mission of empowering SMEs through improved access to capital, capability-building, and alternative financing pathways.
Why Choose Lendo for Government Program Financing
A simplified digital pathway that makes applying for government financing faster and easier.
Access to multiple government programs from one place
Licensed and fully digital financing experience
Clear requirements and fast application processing
Shariah-compliant financing solutions
FAQs
We finance corporate invoices (forward sales), and we do not do personal finance at all.
This type of funding provides the ability for companies to support their operations and achieve growth. It plays an important role in achieving the goals of Saudi Vision 2030 by supporting economic diversification and job creation.
A citizen, resident or resident in Saudi Arabia who is over 18 years of age and has a national ID or residence permit, and has a bank account in a local bank.
Lendo is a financial technology company. It works in the field of debt crowdfunding. It provides an invoice financing service for small and medium enterprises (forward sales) that complies with the provisions of Islamic law in order to help companies requesting funding obtain cash. It also offers investment opportunities with a good profit return within short periods.
It is the financing of small and medium-sized companies by a group of investors. It is divided into two types:
1-Crowdfunding through ownership. 2-Crowdfunding through financing
Yes, there is a high risk in investment transactions, which may lead to delays in paying off opportunities or the possibility of losing your money. As the financing contract connects investors directly to the owners of companies requesting funding, the Lendo platform is not one of the contracting parties, and investments are entirely at your own risk.
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1- A valid Saudi commercial registration.
2. The company is one year old and over.
3. Sales are issued to government agencies or private Saudi companies.
The minimum funding amount is 100 thousand Saudi Riyals and the maximum funding limit is 7.5 million Saudi Riyals.
The credit rating is issued and the risk score of the opportunity is determined based on several factors, the most important of which are:
— The company's credit history.
— The company's financial situation.
— The company's administrative status.
— Invoice status.
The rating varies from (A to D). The classification indicates A To the fact that the company has a credit rating Good and low risk. and D That the company has a credit rating Vulnerable and high-risk.
Start your path toward the financing solution that fits your business needs
Take the first step toward securing the financing that fits your business. Lendo’s streamlined digital process helps you move forward with a clear path aligned with your growth needs.