Accelerate your business growth with financing backed by government entities
Select the financing program that fits your business needs and discover tailored solutions designed to fuel your growth, powered by Lendo’s partnerships with national programs.
Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.
Overview of Lendo’s Financing Solutions Through Government Programs
Lendo, as a licensed financing entity regulated by the Saudi Central Bank, enables businesses to apply for a range of specialized national programs in partnership with multiple sectors that support financing initiatives, including the Tourism Development Fund, the Cultural Development Fund, the SME Bank, the Ministry of Industry and Mineral Resources, the Saudi Industrial Development Fund, and programs by Monsha’at.
Through clear requirements and streamlined processes, Lendo supports businesses in accessing the program that best aligns with their operational and sector-specific needs.
Solutions
Partnership Categories
Tourism Development Fund (TDF) Financing
Shariah-compliant working capital financing for tourism-sector SMEs under the Aoun Al-Tourism Program, supporting hospitality, travel services, F&B, and tourism experiences.
Cultural Development Fund (CDF) Financing
Flexible financing for creative-sector businesses, including film, production, cultural content, and creative services - aligned with the CDF’s strategic initiatives and processed by Lendo.
Saudi Industrial Development Fund (SIDF) Financing
Financing solutions supporting industrial SMEs across manufacturing, logistics, and related sectors. Lendo enables access to short-term financing aligned with SIDF objectives.
Ministry of Industry & Mineral Resources (MIM) Financing
Program-aligned working capital and invoice financing for industrial SMEs operating in approved sectors under the Ministry’s initiatives.
SME Bank Program Financing
Short-term, Shariah-compliant financing for micro, small, and medium businesses through the SME Bank Program, supporting operational expenses and working capital needs.
Monsha’at-Aligned SME Financing
Business financing aligned with Monsha’at’s mission of empowering SMEs through improved access to capital, capability-building, and alternative financing pathways.
Why Partners Choose Lendo
Proven SME financing volume
Shariah-compliant financing model
Institutional-grade risk and scoring engine
Overview
Proven Results Across the Ecosystem
The program is available to creative companies and professionals who actively contribute to the Kingdom's cultural sector.
Programs supported
SMEs funded
Long-term partner collaborations
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.