Working capital financing
To cover salaries, rents, and operational expenses
Funding for the MIM Program for small and medium-sized industrial enterprises
Get Sharia-compliant financing that aligns with the Ministry of Industry and Mineral Resources programs through the licensed digital platform from Lendo.
Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.
Licensed and under the supervision of the Saudi Central Bank
Lendo is a licensed financing company regulated by the Saudi Central Bank (SAMA). All funding under the Ministry of Industry and Mineral Resources programs is conducted through secure digital processes fully based on Islamic financing principles.
Features
Overview of the Ministry of Industry and Mineral Resources Program
The Ministry of Industry and Mineral Resources supports the growth of the industrial sector by facilitating access to financing for manufacturing and logistics projects and mineral development.
Access to financing for manufacturing, logistics, and mineral development projects
Support for small and medium-sized enterprises through a licensed platform
Sharia-compliant financing aligned with the ministry’s program objectives
Secure and transparent application process through Lendo
Features and Benefits of the MIM Program
The Ministry of Industry and Mineral Resources program offers financial solutions designed to help small and medium-sized industrial companies expand production capacity, purchase equipment, manage cash flows, and scale operations. Lendo facilitates access to financing through digital registration, quick verification, and transparent Sharia-compliant contracts.
For who
Who can apply for MIM Program financing?
The program is suitable for small and medium-sized industrial companies operating in approved sectors, including
Manufacturing & Production
Industrial & Operational Services
Available financing products for industrial enterprises
Lendo offers a range of financing products suitable for various industrial needs. These solutions support working capital, operational expenses, and short-term liquidity requirements.
Purchase order financing
Providing liquidity to fulfill confirmed purchase orders before receiving payments
Invoice financing
Freeing up liquidity from unpaid receivables
Criteria
Eligibility criteria for MIM financing program
Eligibility varies based on the company's activity, financial readiness, and project feasibility. Applicants must meet the program's standard criteria and provide accurate business documents.
Proof of unpaid invoices or need for working capital (depending on the type of financing)
Active industrial or service operations in approved sectors
Financial statements or proof of business activity
Valid commercial registration
Good standing with financial institutions
Documents
Required documents to obtain financing
All data is securely verified through Nafath, SAMA, and Bayan systems.
- Commercial Registration (CR)
- Invoices or contracts
- National ID / Iqama
- Invoices or contracts (if financing is invoice-related)
- Bank statements or financials
Process
How to apply for MIM program funding
Step one
Submit an online application through Lendo
Step two
Attach the required business documents
Step three
Apply for eligibility and compliance review
Step four
Receive the financing terms if approved
Step five
Sign the Sharia-compliant contract
Step six
Receive funds and track installment payments digitally
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.
Ready to apply for MIM financing program?
Take the next step to expand your industrial operations through fast, secure, and Sharia-compliant financing. Apply through Lendo to access program-compliant funding and accelerate your business growth.