Lending software for Saudi Arabia

The Gulf’s largest lending market, where SAMA’s fintech sandbox, Nafath identity and SIMAH data power fast digital finance. lendhero arrives with SIMAH, Nafath and sarie already connected, so your team configures products instead of plumbing.

See the local stack
  • SAR (SAR)
  • Arabic, English
  • 16 local connectors
  • 1–2 weeks to launch

Marhaba, Noura

Approved15,000 SAR

756

Credit score

On-time payments

Monthly payment738 SAR

Market profile

Saudi Arabia at a glance

What lendhero is set up for in Saudi Arabia before your team logs in.

Currency

SAR (SAR)

Languages

Arabic, English

Supervisor

SAMA

Credit data

SIMAH, Bayan

Payout rails

sarie, mada, SADAD

Data protection

the PDPL

16
local connectors wired in before kickoff
SAR
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Arabic, English

Working with borrowers in Saudi Arabia

Tools for every borrower conversation

Borrowers in Saudi Arabia apply, sign, pay and come back for repeat loans in Arabic and SAR.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Unifonic automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowUnifonic
New receipt in your portalInfobip

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Arabic.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Noura · Consumer loan, 6 months · 15,000 SAR

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Saudi Arabia stack, connected before kickoff.

SIMAH, Nafath, sarie and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • SSIMAH
    • BBayan
  • Identity & KYC3 connectors
    • NNafath
    • AAbsher
    • EElm
  • Bank & alternative data2 connectors
    • LLean Technologies
    • TTarabut
  • Disbursement rails3 connectors
    • ssarie
    • mmada
    • SSADAD
  • Repayments & collections3 connectors
    • SSADAD
    • mmada
    • DDirect debit
  • Messaging3 connectors
    • WWhatsApp Business
    • UUnifonic
    • IInfobip
  • E-signature2 connectors
    • NNafath sign
    • DDocuSign

Checks and payments

Who borrows and how money moves in Saudi Arabia

Applicants are checked with SIMAH and Bayan, and money moves via sarie and mada.

Client checks

Checks connected in Saudi Arabia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNafath, Absher, ElmPass
  • Credit bureausSIMAH, BayanPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataLean Technologies, TarabutReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Saudi Arabia:

Disbursementsarie, mada, SADAD in SAR
RepaymentSADAD, mada, Direct debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • sarie
  • mada
  • SADAD
  • Direct debit

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in SAR are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

15,000 SAR

On track
Auto-calculated · 200+ parametersManual edit
Repaid 5,350 SAR of 16,050 SAR2 of 6 payments
DateAmountStatus
Sep 42,680 SARPaid
Oct 42,680 SARPaid
Nov 42,680 SARDue in 7 days
Dec 42,680 SARUpcoming
Jan 42,680 SARUpcoming
Reminder sentYour payment of 2,680 SAR is due Nov 4

Loan flow

How a loan runs in Saudi Arabia. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Arabic and English.
  2. 02VerifyIdentity and documents are checked through Nafath and Absher.
  3. 03DecideScorecards pull SIMAH and Bayan data and return a decision in seconds.
  4. 04DisburseFunds go out via sarie or mada in SAR, straight after signing.
  5. 05CollectRepayments arrive via SADAD and mada, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

15,000 SAR

Next payment

2,680 SAR · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

NouraVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Saudi Arabia launch on .

Islamic financingMurabaha and tawarruq personal finance with Sharia-board settings.
BNPL & POSSharia-compliant instalments at checkout.
Business lendingSME finance decided on Bayan and bank data.

Compliance

Configured for SAMA and the PDPL.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Saudi Arabia.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the PDPL requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the PDPL.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for SAMA rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Gulf

All Middle East markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Saudi Arabia?+

Yes. The platform is set up for SAR, Arabic and English and SAMA requirements, with 16 local connectors ready on day one.

Which credit data sources are connected in Saudi Arabia?+

SIMAH, Bayan. On top of that, identity checks run through Nafath, Absher and Elm and bank data comes from Lean Technologies and Tarabut.

How do borrowers get paid and repay?+

Payouts go out via sarie, mada and SADAD in SAR. Repayments arrive via SADAD, mada and Direct debit, with reminders over WhatsApp Business and Unifonic.

How long does a launch in Saudi Arabia take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 16 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Saudi Arabia? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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