Government-Backed Funds
Entities supporting national economic diversification and SME development.
Institutional Investment Solutions for Saudi Government Funds and Premium Institutions
We provide a regulated, transparent, and data-driven platform that enables institutions to invest in verified SME financing opportunities, under full Shariah and SAMA supervision.
Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.
Institutional Investing With Lendo
Lendo enables institutional investors to invest in private credit for small and medium-sized businesses through a structured, transparent, consistent, and systematic approach, in a Shariah-compliant manner under SAMA supervision.
الميزات
Who Can Invest Through the Institutional Program
Wealth & Asset Management Firms
Licensed firms allocating client and proprietary capital into alternative income-generating assets.
Corporate Investment Vehicles
Corporations deploying treasury capital into regulated, short-term financing structures.
Family offices and private investment firms
Single and multiple family offices as well as private investment firms that like to extend and diversify their portfolio to new asset classes and Saudi exposure
Specialized Institutional Partners
Different entities and departments engaged in financing and medium term investments (bank treasuries, bank corporate departments)
Benefits
Key Benefits for Institutional Investors
SME crowdfunding allows investors to invest in opportunities to finance small and medium businesses and earn returns in a Shariah-compliant way.
Regulated and Supervised by SAMA
Full oversight under the Saudi Central Bank ensures platform governance and investor protection.
Shariah-Compliant Investment Structures
All opportunities follow Islamic financing principles and are approved by an independent Shairah board, suitable for government-linked and institutional Shirah mandates.
Verified Data Through Official Systems
Integrations with SIMAH, Bayan, Nafath, Absher improve credit assessment reliability.
Scalable Capital Deployment
Continuous SME demand allows institutions to deploy capital efficiently across diversified sectors and based on agreed eligibility criteria.
Transparent Risk Classification
Institutional investors receive structured visibility into risk scoring, categories, and underwriting processes.
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How JPMorgan Deplays Through Lendo
Capital Allocation Strategy
Allocation parameters defined collaboratively based on risk appetite and mandates.
Institutional Assessment & Onboarding
Compliance documentation, verification, and investment framework alignment.
Opportunity Screening & Underwriting
SME review through Lendo’s scoring engine using verified data sources.
Portfolio Deployment & Monitoring
Automated or semi-automated allocation with performance dashboards.
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Reporting & Oversight
Regular reporting, repayment updates, and transparent communication.
Institutional Risk Controls and Governance
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Structured Underwriting Framework
Financial, credit, and operational assessment.
Verified Third-Party Data
SIMAH, Bayan, and government data integrations.
Structured Underwriting Framework
All contracts reviewed for compliance with Islamic finance standards in addition to individual transaction Shariah certification
Portfolio Diversification Options
Spread capital across multiple SMEs, sectors, risk bands, regions, maturities
Transparent Risk Categories
A-D scoring methodology for investment decisions.
Features
Tools and Features for Institutional Investors
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Advanced Reporting Dashboards
Periodic performance data, repayment tracking, and real-time insights.
API & Data Access (If Supported)
Structured access to investment data for internal portfolio systems.
Dedicated Institutional Support
Specialized account managers for institutional relationships.
Operational Transparency
Clear audit trails, contract visibility, and repayment schedules.
Benefits
Strategic Advantages for Institutions
SME crowdfunding allows investors to invest in opportunities to finance small and medium businesses and earn returns in a Shariah-compliant way.
New asset class
Low operational friction
Direct access to credit
Structured returns
Proven track records
Alignment with Vision 2030 goals
Regulatory strength
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.
All investment and financing activities carried out by Lendo comply with Islamic Sharia principles.
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 Explore Institutional Investment?
Partner with the leading regulated, transparent, and Shariah-compliant platform designed to support institutional-scale SME investing.