Your Investment Starts With You, and Grows With You
Begin your investment journey with simple steps and explore a wide range of financing opportunities for Saudi SMEs , all through a seamless, fully digital, and Shariah-compliant experience.
Begin Your Investment Journey With Lendo Basic Retail Investor Tier
Simple registration, seamless verification, and a variety of investment opportunities in Saudi SMEs. Start investing today and grow your returns with confidence.
Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.
What Is the Basic Retail Investor Tier?
The Basic Investor Tier is designed for individuals who want to start investing with ease, through a flexible experience that gives them clear and direct access to available opportunities.
As a Basic Investor, you can:
- Invest up to 25% of the total amount of any single opportunity.
- Ensure your active investments do not exceed SAR 250,000.
If you wish to invest larger amounts or gain access to higher allocation limits, you can upgrade your account to the Professional Investor Tier, which offers broader investment capacity and enhanced flexibility. Full details are available on the Professional Investor page.
How Auto-Invest Works
The Basic Tier is ideal for anyone who wants to start investing, especially if you:
Are investing for the first time and want to start with simple, clear steps.
Prefer beginning with smaller amounts before expanding later.
Want to understand how SME investing works on the platform.
Are looking for an easy and flexible entry into investment opportunities, with returns aligned to the risk level they choose.
Key Features of the Basic Retail Investor Tier
Choose the Investment Strategy That Fits You
Select your preferred financing term, risk level, and expected returns — all through a platform that gives you clear insights to support confident and informed investment decisions.
Attractive Returns Aligned With Your Risk Preference
Invest in opportunities that match your goals and grow your returns through a trusted platform that supports SME growth while giving you full visibility on risk levels and projected outcomes.
Benefits of Starting With the Basic Tier
Learn the Platform Easily
Build familiarity without needing large capital commitments.
Grow at Your Own Pace
Upgrade to Premium or HNW as your experience and portfolio expand.
Transparent, Data-Driven Insights
View risk categories, repayment timelines, and return expectations before investing.
Basic Retail Investor Tier vs. Premium Tiers
Tiers
Basic
Premium
High Net Worth
Minimum investment
Lowest
Medium
High
Opportunity access
Standard
Priority
Highest priority
Allocation size
Limited
Maximum
Maximum
Tools
Full tools
Full tools
Enhanced support
How to Activate Your Basic Tier Account
Simple Steps to Start Investing with Lendo. Your investment journey begins with a smooth, guided setup designed to take you from registration to your first opportunity in minutes:
Download the Lendo App
Access all investment opportunities instantly, your journey starts with a quick download.
Create Your Investor Account
Sign up with simple, beginner-friendly steps tailored for new retail investors.
Verify Your Identity via Absher
Fast, secure verification that ensures a trusted and compliant investment experience.
Fund Your Wallet & Start Investing
Once your account is activated, add funds and choose the opportunity that matches your goals.
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.
Begin Your Investment Journey Now
Begin your investment journey and discover opportunities that support your financial goals and help you build your returns.