Working capital financing
Liquidity to cover operational expenses, salaries, rents, and ongoing expenses
Access Lendo SME financing aligned with Monsha’at programs.
Obtain Sharia-compliant financing aligned with support programs for small and medium enterprises through the licensed digital platform from Lendo.
Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.
Overview
About the Monsha’at Financing Program
Monsha’at supports small and medium enterprises through programs that improve access to financing, boost business sustainability, and enable growth. Lendo provides access to financing
Improved access to financing aligned with Enterprises’ objectives
Operational financing and working capital solutions
Fast and reliable digital financing through Lendo
Apply now
Features and benefits of the Enterprises financing program.
Fast and digital financing process
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Sharia-compliant financing structures
Support for working capital
Improving cash flows
Without complex banking procedures
Transparent pricing and agreements
Available financing products through Lendo
These products contribute to supporting small and medium enterprises in line with the mission of Monsha'at to enhance financial stability and enable growth.
Invoice financing
Unlocking liquidity held with clients through financing accounts receivable
Purchase order financing
Providing liquidity to execute confirmed purchase orders before collecting payments
Who can apply for Monsha'at financing?
Eligibility includes registered small, medium, and very small enterprises that hold a valid commercial registration. Companies operating in service sectors, retail, e-commerce, general contracting, and industrial activities can qualify based on program criteria and type of financing.
Basic requirements for application
All data is securely verified through Nafath, SAMA, and Bayan systems.
- Valid Commercial Registration (CR)
- Invoices or business documentation (if applicable)
- Owner/authorized person’s ID or Iqama
- Company authorization letter
- Bank statements or financials
- Mobile number verified through Nafath (when needed)
How to apply for Monsha'at financing
Step one
Submit your application electronically through Lendo
Step two
Attach the required documents
Step three
Lendo reviews eligibility and verifies information
Step four
Receive the approved financing terms
Step five
Sign a Sharia-compliant agreement and receive funds
FAQs
Term financing provides businesses with a fixed financing amount that is repaid over an agreed period through structured payments.
Saudi registered businesses that meet Lendo’s eligibility and credit assessment requirements can apply.
Eligible businesses can access financing up to SAR 3M.
We finance corporate invoices (deferred sales invoices) we do not finance purchase invoices.
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 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.
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.
The minimum funding amount is 100 thousand Saudi Riyals and the maximum funding limit is 7.5 million Saudi Riyals.