Get up to 3M SAR
As fast as 2 business days.
Working capital designed for Saudi businesses.
3M
2
24
3%
Transparent. Confident. Clear.
No surprises. No fine print traps. Just straightforward business financing built for momentum.
Up to 24 months
Flexible repayment period with preference for 12-month terms for optimal cash flow management.
3% annually
Industry-leading rates. 4% for terms under 12 months. Transparent, no hidden fees.
Up to 3M SAR
One-time disbursement to meet your immediate business capital needs.
Working Capital
Inventory, payroll, expansion, equipment — use it where your business needs it most.
Fast Process. Simple Steps.
From application to funds in your account — as fast as 2 business days.
Submit Application
Fill out our streamlined online form in under 10 minutes.
Upload Documents
Bank statement, interview scheduling, and Qawaneen upload.
Get Approved
Our credit team reviews and approves within 48 hours.
Receive Funds
Funds transferred directly to your business account.
We've Made It Easy
No guesswork. Here's exactly what you need to get started.
Required Documents
Active Saudi Business
Your business must be registered and operating in Saudi Arabia (non-construction sectors).
12-Month Bank Statement
Provide your business bank statements for the last 12 months.
Brief Interview
A quick call with our team to understand your business needs.
Qawaneen FY24 Upload
Upload your latest Qawaneen (financial statements) for FY24.
General Requirements
Minimum 1 year in business
Valid Commercial Registration
Promissory note (current requirement)
Minimum monthly revenue threshold
Not sure if you qualify?
Our team can help assess your eligibility in a quick call.
FAQs
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 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.
All investment and financing activities carried out by Lendo comply with Islamic Sharia principles.
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.
Small and medium enterprises registered in Saudi Arabia that have verifiable invoices or purchase orders from reliable entities can apply for financing.
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