Financing from multiple investors without giving up ownership
Debt crowdfunding lets businesses raise financing from multiple individual investors via CMA-licensed platforms. Each investor contributes a portion; the business repays all at a pre-agreed profit rate. Faster than banks, more flexible, and no equity dilution.
7,500,000
SAR max
3 to 36 months
Tenor
48 hours to 2 weeks
Speed
10-18% APR + platform fees 1-3%
Cost
Apply via a platform (Lendo, Raqamyah, Forus) with your business documents
Platform assesses risk and sets financing terms (amount, tenor, rate)
A funding campaign opens on the platform for a defined period (usually 2-4 weeks)
Individual investors contribute small amounts (from SAR 1,000) until fully funded
Financing disburses to the business; repayments go to the platform which distributes to investors
A sample. Diro instantly matches you with lenders suited to your business profile.
Maximum amount
7,500,000 SAR
Tenor
3 to 36 months
Cost structure
10-18% APR + platform fees 1-3%
Funding speed
48 hours to 2 weeks
Yes. All Saudi debt crowdfunding platforms (Lendo, Raqamyah, Forus, Funding Souq, Tameed) are CMA-licensed and operate under strong oversight. This protects both borrowers and investors.
Usually yes — rates are 2-5% higher than banks. Trade-off: faster access (48 hours vs 3-6 weeks) and greater flexibility on criteria. Suitable for companies unable to wait or not meeting traditional bank criteria.
Up to SAR 7.5M per funding round. Multiple rounds possible over time. Some larger businesses have raised over SAR 30M cumulatively through successive Lendo rounds.
Licensed providers
Completely free
Instant comparison
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