The engine assesses SME credit risk using transparent criteria and trusted data, helping investors make clear and informed decisions under SAMA supervision.
It assesses reliable financial and commercial data.
Evaluates the risk level of the credit history through checks of systems like SIMAH.
The model is used to assess the company's risks and assign a rating.
It classifies companies according to risk levels.
Provides investors with risk information before investing.
Credit risk assessment helps investors evaluate a company's ability to meet its obligations and make investment decisions based on transparent and reliable data.
A credit rating is a score or assessment that indicates the likelihood of a company settling its loans on time. A high rating means lower risk, while a low rating indicates higher risk. It is used by banks, investors, and financial institutions to make financing and investment decisions.
Credit rating scores are letters representing a company’s creditworthiness.
For example:
High score → Low risk, reliable repayment
Medium score → Moderate risk
Low score → Higher risk, may face repayment issues
Investors use these scores to compare SMEs and decide where to invest.
Credit risk assessment helps investors make safer decisions by:
Highlighting the risk level accosted with the SMEs
Allowing portfolio diversification across different risk levels
Providing clear, structured information
Lendo’s scoring system adds extra insight by combining traditional credit ratings with verified data and risk modeling, making investment decisions more transparent.
A financially strong company that pays regularly and predictably.
A stable company with good financials and a solid repayment record.
The company may be less stable or financially weaker; suitable for investors who can take on higher risk.
High uncertainty; suitable for investors willing to take on high risk.
Sector conditions, business cycle, and market risks.
External credit checks via SIMAH
Use risk categories to allocate your investments and reduce risks.
Risk levels are clearly shared with all investors.
Integrated with trusted systems like Simah.
Review organized data on each company before investing.
Lendo is a Saudi fintech company that provides Shariah-compliant debt crowdfunding solutions. The platform enables businesses to access the liquidity they need, while offering investors short-term opportunities with attractive potential returns.
All investment and financing activities carried out by Lendo comply with Islamic Sharia principles.
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