Lendo scoring engine

Learn How Lendo Risk Rating Works

Lendo's scoring engine is secure and credible, taking into account more than 100 data points to assess SME borrowers.

Risk Assessment

Risk Assessment at Lendo

Lendo's credit risk team assesses the borrowers relying on our advanced scoring engine technology, which takes into account more than 100 data points about each business applying for financing.

Integrated with Saudi’s main credit bureaus, SIMAH and Bayan, we analyze the full financial history of potential borrowers and evaluate their creditworthiness — a process carried out efficiently to minimize any waiting time and achieve best results.
How lendo works

How does it work?

We make sure your money is safe by rigorously assessing the potential borrowers.
Only approved opportunities are posted on the platform
To get approved, business applications go through a rigorous process to assess several data points (including but not limited to):
‍
Financial Position of the Business
History with credit bureaus
Funding Issued by other Institutions
+100 Data Points
Lendo's scoring engine collects and analyzes more than 100 data points. Further analysis is carried out by our credit risk team to optimize for risk assessment quality and accuracy.

Risk Rating

We analyze a wide range of SMEs, assigning a four-point risk rating (A, B, C, D) that reflects a combination of the following:
Credit History
All historical records issued by the Saudi credit bureaus.
Financials
Financial records from MCI and bank statements
Shareholders
Personal credit history and other background checks.
Market
The volatility/stability of the market the business is operating in.
Credit History
Financial Position
Shareholders
Market

Company Credit History

We collect and analyze all historical records issued by the Saudi credit bureaus SIMAH and Bayan

Financial Position

Financial Records from MCI and Bank Statements
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Shareholders Background

Personal credit history and other background checks, such as previous experience or legal position.
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Market

We analyze the market of the SME, if it is a highly volatile or stable market
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Lendo's Scoring

Compare Lendo's
Investment Opportunity Risk Rating

A
B
C
D
Company Credit History
Excellent
Very good – Good
Very good
Good
Financial Position
Excellent – Very good
Very good
Good
Fair
Owners Maturity
Excellent
Excellent
Good
Good
Invoice Strength
Excellent – Very good
Excellent – Very good
Very good – Good
Very good – Good
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FAQ

Frequently asked questions

Can’t find the answer here? Check out our help center.
What is Lendo?
Lendo is a crowdlending fintech offering shariah-compliant financing to small and medium-sized businesses.
Is Lendo a Saudi company and registered in Saudi?
Lendo is a Saudi company registered as a closed Joint Stock company getting industry.
What does score A, B, C, D mean?
It is our risk assessment bands for each investment opportunity, please visit our scoring engine page to read all the details.
What is the investment duration in funding opportunities?
The investment period starts from 60 days to a maximum of 180 days, starting from the date of completing or closing the investment opportunity. this duration is set by the business based on the historical payment time of the clients.
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RISK WARNING
‍The competent finance team at Lendo evaluates the credentials of each business before finalizing a user agreement. As a buyer-centric entity, Lendo adheres to a set of compliance practices and mechanisms to ensure that only authentic listings are featured on the platform for funding purposes. Nonetheless, it is imperative for investors to understand that they are lending to businesses which maybe at the early-stages of establishing their presence in the industry. Therefore, the level of risk associated with such investments is higher which could also result in a potential loss and delays in repayment. It is necessary to understand that you could lose your money.
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Lendo is licensed by the Central Bank of Saudi Arabia to practice debt crowdfunding activity,
with License No.  ٦١/أ ش/٢٠٢٢٠٣
Contact Number: 800 1111 806
Address: Al Olaya Tower B, Riyadh, 12213, Saudi Arabia
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Lendo.sa