Shariah-Compliant & SAMA-Supervised
Invest with complete peace of mind through a platform regulated by the Saudi Central Bank.
Discover the Investor Categories and How We Support Their Investment Goals
Whether you’re starting your investment journey or managing large capital, Lendo offers retail investor tiers designed to match your goals with full transparency and Shariah compliance.
Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.
What Is Retail Investing?
Lendo allows individuals to invest their personal funds in small and medium-sized businesses to grow their wealth, through a platform offering Sharia-compliant, transparent, and regulated investment opportunities, enabling investors to understand each company in detail and make informed investment decisions
Retail Investor Tiers at Lendo
Basic
Investor
Designed for individuals starting their investment journey with a minimum of 1,000 SAR, providing access to opportunities that match their goals
Premium Investor
High Net Worth Investor
Benefits of Retail Investing With Lendo
Attractive, Risk-Adjusted Returns
Earn returns aligned with SME repayment schedules and risk categories.
Low Entry Points
Low Entry Points
Starts with 1,000SAR
Full Transparency & Control
Track all investments, repayments, and returns through your personal dashboard.
Features
Platform Features That Support Your Investment Journey
Secure Digital Wallet
Fund, track, and withdraw returns easily.
Portfolio Dashboard
Monitor performance, diversifications, and repayment timelines.
Risk Categories & Scoring Engine
Understand opportunity risk before you commit capital
Auto-Invest Compatibility
Allow automated strategy-based investing for seamless portfolio growth.
Compare
Retail Investing
Feature
Details
Minimum entry
Low
Speed
Fast digital process
Transparency
High with full opportunity details
Excellent
Excellent
Good
Investor dashboard
Diversification
Simple across SMEs
Access
Process
Start Investing in X Simple Steps
Create your investor account
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Complete Identity Verification
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Fund your wallet and start investing
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For who
Who Can Become a Retail Investor at Lendo?
Be a Saudi citizen or a resident with a valid Iqama.
Be at least 18 years old.
Hold an active bank account in Saudi Arabia.
Complete identity verification (KYC) through the platform.
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.