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What Is the difference between Basic and Professional Investor?

Under the guidelines laid down in December 2020 by SAMA, you must be over 18 years old and have the legal right to invest if you wish to be an investor in crowdfunding platforms. You must also be a Saudi citizen or resident who has a legitimate residence and the investors are rated as “standard and qualified”

Type of investor:

  • Basic investor:

A natural person who provides an amount to financing for SMEs through crowdfunding platforms and does not meet SAMA criteria for a qualified or professional investor.

As a basic investor you can invest 25% of the total loan amount up to 50,000, And 200,000 annually.

  • Professional investor: 

Any investor who does meet SAMA criteria: one or more of the following:

                                                                                                                                    –  Have assets worth 3,000,000 or more                                                                – Currently working or previously working for a period of (3) years at least in the financial sector in a professional position related to finance or investment.                                                                                                                – have a professional certificate in the field of finance or investment, approved by an internationally recognized authority.                                        – His annual income is not less than 600,000 Saudi riyals in the past two years.

To Upgrade your account you need to upload one or more of these documents: 

– Assets worth more than 5 M.

– Certificate in finance or investment field

– approve of annual income more than 600,000 for two years.

You can upgrade at any time by completing one or more of the requirements above 

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