The engine assesses SME credit risk using transparent criteria and trusted data, helping investors make clear and informed decisions under SAMA supervision.
It assesses reliable financial and commercial data.
Evaluates the risk level of the credit history through checks of systems like SIMAH.
The model is used to assess the company's risks and assign a rating.
It classifies companies according to risk levels.
Provides investors with risk information before investing.
Credit risk assessment helps investors evaluate a company's ability to meet its obligations and make investment decisions based on transparent and reliable data.
A credit rating is a score or assessment that indicates the likelihood of a company settling its loans on time. A high rating means lower risk, while a low rating indicates higher risk. It is used by banks, investors, and financial institutions to make financing and investment decisions.
Credit rating scores are letters representing a company’s creditworthiness.
For example:
High score → Low risk, reliable repayment
Medium score → Moderate risk
Low score → Higher risk, may face repayment issues
Investors use these scores to compare SMEs and decide where to invest.
Credit risk assessment helps investors make safer decisions by:
Highlighting the risk level accosted with the SMEs
Allowing portfolio diversification across different risk levels
Providing clear, structured information
Lendo’s scoring system adds extra insight by combining traditional credit ratings with verified data and risk modeling, making investment decisions more transparent.
A financially strong company that pays regularly and predictably.
A stable company with good financials and a solid repayment record.
The company may be less stable or financially weaker; suitable for investors who can take on higher risk.
High uncertainty; suitable for investors willing to take on high risk.
Sector conditions, business cycle, and market risks.
External credit checks via SIMAH
Use risk categories to allocate your investments and reduce risks.
Risk levels are clearly shared with all investors.
Integrated with trusted systems like Simah.
Review organized data on each company before investing.
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.
All investment and financing activities carried out by Lendo comply with Islamic Sharia principles.
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.