Updated:
Lendo
SAMA-licensed debt crowdfunding platform Lendo has deployed SAR 4.5B+ to Saudi SMEs through sharia-compliant invoice financing and working capital loans.
Lendo
General information
Firm type
Other
Year founded
—
AUM
Undisclosed
Location
Region
Middle East
Country
Saudi Arabia
City
Riyadh
Corporate office
Riyadh, Saudi Arabia
Principals
Osama Al-Raee
Co-Founder and CEO
Mohammed Jawabreh
Co-Founder and COO
Nabil Al-Mubarak
Chairman of the Board
Rakan Abu Nayan
Board Member
Ahmed Al-Shammari
Board Member
Sector focus
Frequently asked questions
How is Lendo regulated, and what does its license permit?
Lendo Saudi Financing Company is a closed joint-stock firm supervised by the Saudi Central Bank under license number 61/A SH/202203. The license authorizes it to operate a sharia-compliant debt crowdfunding platform that matches SME borrowers with investors — it is not a deposit-taking institution and does not lend from its own balance sheet.
Does Lendo disclose the performance of the loans originated on its platform?
Yes. Lendo publishes quarterly updates on total cumulative financing, collections versus amounts due, and default rates segmented by internal risk bands. As of December 31, 2025, the cumulative default rate on outstanding amounts was 4.5% (per firm website, 2026).
Which government partnerships support Lendo's origination pipeline?
Lendo has formal programs with MODON for industrial city investors, with the Tourism Development Fund for hospitality SMEs, and with the Cultural Development Fund for film production under the IGNITE initiative — all designed to extend flexible, sharia-compliant financing to targeted Vision 2030 sectors.
What investment products does Lendo offer, and who can invest?
Qualified retail and institutional investors access three lending products: invoice financing, working capital facilities, and fixed-term loans, all structured as sharia-compliant debt instruments. Returns are profit-based; the platform does not offer equity or hybrid products.
Is Lendo's financing sharia-compliant?
The firm states all financing and investment operations comply with Islamic law and publishes a sharia certification on its website. Products are structured as murabaha or similar profit-rate instruments — interest is not charged, consistent with P2P debt-crowdfunding models in Saudi Arabia.
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