A registered small or medium enterprise with a valid commercial registration
SME Bank Program Financing: Fast and flexible funding for your business growth.
Get tailored financing solutions for small and medium enterprises through the SME Bank Program, via the licensed digital platform from Lendo. Apply now to secure working capital financing, asset purchase financing, or short-term financing — with high efficiency and full regulatory compliance.
Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.
Fully organized financing with transparency and compliant with Sharia
Lendo is a licensed financing provider under the supervision of the Saudi Central Bank (SAMA). The SME Bank Program is managed through the Lendo platform, ensuring full compliance, transparency, and a financing structure that adheres to Sharia principles (without traditional interest).
Program Features and Benefits
The SME Bank Program enables micro, small, and medium enterprises across various sectors to access financing solutions aligned with the SME Bank Program’s objectives.
Access to working capital financing and invoice financing
Financing solutions designed to address the SME financing gap
Support for business sustainability and growth
Digital application process with clear and smooth procedures through Lendo
Choose the financing option that best suits your business needs
Select the financing solution that fits your enterprise's needs.
Working capital financing (rent, salaries, short-term obligations)
Invoice financing (advance on receivables)
Purchase order financing
Requirements for obtaining SME Bank financing
To qualify for the SME Bank program through Lendo, your business must meet a set of specific criteria, including commercial registration, sector classification, business size limits, and the required documents for application. Check your business's eligibility before submitting the application.
Operating the business for a specified period (or meeting startup conditions)
Acceptable business size and financial status
Depending on the type of financing product, the minimum required financing amount is determined (e.g., 100,000 SAR) and the appropriate repayment period (e.g., up to 12 months).
Eligible activities and sectors
The SME Bank program supports micro, small, and medium enterprises across a wide range of sectors seeking Sharia-compliant financing for their operations or growth. Eligible applicants include registered enterprises with valid commercial licenses operating in sectors such as retail, services, e-commerce, light manufacturing, contracting, and other approved business activities that meet the program's general requirements.
Process
How to apply for SME Bank financing
Lendo offers a digital, transparent, and organized application process designed to reduce delays and enhance decision-making efficiency.
Step one
Submit the application electronically and choose the appropriate product.
Step two
Upload the required documents and business activity information for review.
Step three
Lendo conducts eligibility checks and risk assessments, coordinating with the SME Bank program standards.
Step four
After approval, sign the financing agreement and receive the funds in your account.
Step five
Start the financing period and monitor repayments through Lendo's dashboard.
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.
Start your next step for business growth.
Through the Small and Medium Enterprises Bank program via Lendo, your business can obtain the right financing at the right time—whether for working capital, growth investments, or short-term needs. Take control of your business future today.