Tourism Development Fund (TDF) financing for small and medium enterprises
Access short-term, Shariah-compliant financing designed to support tourism-sector SMEs through Lendo’s partnership with the Tourism Development Fund. This program provides fast working capital to help businesses stabilize cash flow, grow operations, and contribute to Vision 2030’s tourism objectives.
Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.
About the TDF Program
The Tourism Development Fund (TDF) supports the growth of Saudi Arabia’s tourism sector by enabling SMEs to secure the working capital they need to operate and expand.
Through this partnership, Lendo provides Shariah-compliant financing solutions tailored to tourism businesses, ensuring transparent, fast, and secure access to funding.
Lendo is a licensed financing provider regulated by the Saudi Central Bank (SAMA).
How does this program support the growth of your tourism business?
Lendo and TDF work together to deliver short-term financing that supports operational stability and business continuity for tourism companies.
Financing from SAR 10,000 to SAR 2 million
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Flexible repayment plans (monthly or quarterly)
Repayment terms up to 12 months
Fast digital application and quick approval
Shariah-compliant financing
Supports a wide range of tourism-related business needs
Financing Products That Suit Your Needs
The program offers various financing options to meet the unique requirements of tourism projects across Saudi Arabia.
Operational support for hospitality businesses
Cash-flow support for restaurants, cafés, resorts, and tourism facilities
Short-term financing for activities related to tourism services and experiences
Benefits
Program Definition and Objectives
This program aims to support tourism-sector SMEs by improving liquidity, enhancing business continuity, and enabling companies to meet operational commitments.
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Improve access to financing for tourism SMEs
Support operational and seasonal business needs
Strengthen the tourism value chain through sustainable financial support
Who can apply for this financing?
This financing is designed for businesses operating in Saudi Arabia’s tourism ecosystem.
Tourism service providers
Restaurants, cafés, and food-service businesses serving tourism demand
Hotels, lodges, and hospitality facilities
Transportation, tour operators, and travel-service companies
Criteria
General Conditions and Eligibility
Applicants must meet the basic program criteria established by TDF and Lendo.
Active commercial license in the tourism sector
At least 1 year in business
Valid financial statements and unpaid invoices (if applicable)
Identity verification through Nafath/SIMAH
Promissory note / guarantees if required
Project must fall within TDF’s supported tourism categories
Financing Limits and Coverage
This financing is structured to help SMEs manage short-term liquidity and operational needs.
Financing amount: SAR 10,000 to SAR 2 million
Repayment tenure: up to 12 months
Flexible repayment schedules (monthly or quarterly)
Fully Shariah-compliant financing agreements
Process
Start Your Application in a Few Simple Steps
Submit Application Online
Provide basic information through Lendo’s digital platform.
Upload Required Documents
Commercial registration, financials, and identity documents.
Review and Evaluation
Lendo verifies documents, credit reports, and business eligibility.
Approval and Contract Signing
Receive your financing offer and sign digitally.
Fund Disbursement
The amount is transferred directly to your business account.
Funding Areas Covered by This Program
This program supports tourism-sector SMEs seeking liquidity to sustain or expand their operations.
Working capital and operational expenses
Procurement and supply chain support
Seasonal business needs
Service expansion and tourism-related improvements
Cash-flow stabilization for SMEs serving tourism activities
Documents
Required documents
Applicants will need:
- Valid commercial registration (CR)
- Bank account information
- National ID / Iqama of business owner
- Additional verification may occur via Nafath, SIMAH, and Bayan
- Financial statements or cash-flow records
- All data is securely verified through Nafath, SIMAH, and Bayan systems.
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.
Empowering Tourism Growth Through Partnership
Lendo’s collaboration with the Tourism Development Fund strengthens the national tourism ecosystem by supporting SMEs that drive local tourism experiences. Through fast, flexible, and Shariah-compliant financing, Lendo helps businesses grow and contribute to Saudi Arabia’s thriving tourism economy.