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Grow Your Wealth Safely with Shariah-Compliant Investments
Earn attractive, risk-adjusted returns by funding real Saudi SMEs through a regulated, Shariah-compliant investment platform.
Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.
Trust
A Quick Overview of Investing with Lendo
A short overview summarizing trust signals from the How It Works, Auto-Invest, and Scoring Engine pages.
Fully Shariah-compliant, SAMA-supervised
SAR total distributions
3.2B+
Average annual return
14%
Successful SME financings
7500+
Total funded opportunities
SAR 4B+
Why Invest with Lendo?
Shariah-compliant investment structure
Attractive, risk-adjusted returns
Full transparency into SMEs and contract terms
Diversification across multiple SME opportunities
Secure digital dashboard
Clear repayment schedules
Licensed + supervised platform (SAMA)
How it Works
How SME Crowdfunding Works
SME crowdfunding allows investors to invest in opportunities to finance small and medium businesses and earn returns in a Shariah-compliant way.
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The business repays the amount according to a pre-agreed schedule.
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Investors receive their returns with each payment collected.
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All transactions are structured with Shariah-compliant contracts under regulatory supervision.
Process
Start Investing in Simple Steps
Browse Opportunities
View SME financing options with risk insights
Fund Your Wallet
Securely add funds through trusted payment channels
Create Your Investor Account
Quick registration and identity verification
Features
Features That Make Your Investment Secure and Trusted
Transparent & Shariah-Compliant Contracts
Clear terms and structures aligned with Shariah.
Data from SIMAH and Bayan
Accurate information directly from government systems like SIMAH.
Comprehensive SME Insights
Reliable financial data and analysis to support confident investment decisions.
Smart Diversification Tools
Transparent terms aligned with Islamic finance principles
Secure Investment Dashboard
Easily track payments, returns, and performance.
Fully Shariah-Compliant Investments
Lendo operates under Saudi Central Bank (SAMA) supervision
All investment contracts follow Islamic financing principles
No interest or prohibited structures
Clear rules for profit generation and repayment
Trust
Full Clarity at Every Step of Your Investment
Customer invoices are carefully reviewed for accuracy
Data is verified through the SIMAH system
The credit worthiness of small and medium businesses is assessed before funding
Portfolio diversification is encouraged to reduce potential risks
Clear and predictable repayment schedules are provided for each investment
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.
Ready to Start Investing?
Join thousands of investors earning Shariah-compliant returns while supporting the growth of Saudi SMEs. Start now through a secure, licensed, and fully transparent platform.