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Licensed by SAMA · Shariah-compliant
Invest from SAR 1,000 in weekly SME financing opportunities underwritten by Alraedah. Receive your capital and target returns monthly, so your money stays moving.
Target returns shown. Not guaranteed.
How it works
No paperwork. No waiting for the year to end. You invest once, and your money starts working from month one.
Open your account, verify through Nafath, done in minutes.
Return, tenor, funding progress, shown upfront. No fine print.
Capital plus target returns, distributed every month. Withdraw or reinvest.
Understand your return
Move the slider. The three outcomes update together: locked, monthly, and reinvested.
Locked until the end
All at month 12. Monthly: SAR 0.
Paid monthly
Monthly payout: SAR 865.
Paid monthly + reinvested
+SAR 323 more than the bank over the year.
Illustrative. Target figures, not guaranteed.
Start here
The important shift is simple: your money does not wait until the last month. A payment comes back every month, then you decide what happens next.
You invest once
A payment comes back monthly
For 12 months. Each payment includes capital plus target return.
You choose what to do with it
Cash is available as it arrives each month.
The same period shown as plain month blocks, not a finance chart.
If you keep payouts as cash
You receive monthly liquidity. Total received is lower than reinvested because the payouts stop earning once they reach you.
The simple story above is enough for most users. These views are here for people who want to inspect the numbers more deeply.
Detailed read: the gold line is what happens when monthly payouts keep working.
Use this when you want the exact payout pattern. Toggle reinvest to see how each payment could keep working.
| Month | Bank in your pocket | Alraedah in your pocket | Alraedah, reinvested (portfolio value) |
|---|
Use this if the effective return concept still feels abstract. It shows when money is stuck, when it arrives, and when it compounds.
Bank 4% flat, locked
Month 0
Alraedah monthly, available
In pocket
Month 0
Alraedah reinvested, compounding
Month 0
Bank
Alraedah monthly
Alraedah reinvested
This week on the platform
Target returns shown. Not guaranteed.
The next opportunity opens Sunday. Opportunities typically fund within 24 hours of launch.
Last funded opportunity
38 investors joined at a 7.6% target over 24 months. Next opportunity opens Sunday.
Opportunities typically close within 24 hours. Email alerts give you a head start.
Where your money is at work
Each opportunity starts as a financing need from a Saudi business, then passes through Alraedah's credit review before it reaches investors.
Move your
Alraedah Invest thesis
money.
Don't
lock it.
Before every opportunity
The public opportunity card is the final layer. Behind it is credit review, cash-flow analysis, documentation, Shariah review, and servicing after funding.
Why Alraedah Invest
Up to 25% of each deal comes from Alraedah's own capital. When you invest alongside us, we're on the same side of the table.
Every opportunity on the platform is underwritten by Alraedah's in-house team, using the same credit criteria we've applied for over a decade.
A steady rhythm. Every week, a fresh SME financing opportunity, fully documented, fully disclosed, fully transparent.
From underwriting to monthly distributions to collections, everything is handled by the originator. Nothing is handed off.
Risk, in plain language
Debt crowdfunding is an investment, and investments carry risk. We don't hide it. Here is what you need to know.
A business may fail to repay. If that happens, your return may be partial, delayed, or in some cases unrecoverable.
Monthly distributions can be delayed if a business hits short-term cash-flow stress, even when it ultimately repays.
An opportunity can be cancelled before it closes. Your capital is returned without return.
Your capital is committed for the tenor you pick. There is no secondary market at launch; you cannot exit early.
Every opportunity is underwritten by Alraedah's 10+ years of investment experience.
Alraedah co-invests up to 25% of every deal, so our interests are aligned with yours.
Shariah-committee-supervised structures across every product on the platform.
Regulated by SAMA, with a defined compliance and complaint-handling process.
Frequently asked
The 7% is an effective return, not a flat yearly rate. Each monthly payout includes a portion of your original capital plus the target return for that month, so the amount still working inside the platform shrinks every month. By the time you reach month 12, only a small slice of your original SAR 10,000 is still earning, which is why the 12-month profit on the cash-out path lands near SAR 383 rather than 7% of the full SAR 10,000.
If you reinvest each monthly payout, every payout starts earning for the rest of the year, and the profit grows to approximately SAR 723 on the same SAR 10,000 over 12 months.
Because your money does not sit still. A bank deposit locks your capital away for the full year and you cannot touch it. On Alraedah Invest a payment lands in your account every month, so you can use it, save it, or put it back to work.
Choosing to reinvest each monthly payment is what unlocks the full 7% target. Once those payouts start earning on top of your original capital, the year-end total ends up ahead of a comparable bank deposit. The calculator above shows both paths — cash-out and reinvested — for any amount you enter.
A flat rate is calculated as if your full capital stays locked for the entire period. An effective return accounts for when you receive your money. Because payouts come monthly, your capital returns to you quickly and can keep working, what we call "your money stays moving."
No. Reinvestment is optional. You can take each monthly payout as cash and spend or save it however you want. If you reinvest instead, the payouts themselves begin earning, which is what pushes the 12-month total from approximately SAR 10,383 to approximately SAR 10,723 on SAR 10,000.
On a SAR 10,000 investment over 12 months at a 7% target, your monthly payout is approximately SAR 865. Each payout includes a portion of your original capital plus your target return for that month. The calculator above gives you the exact number for any amount and tenor.
Alraedah has over 10 years of experience in the investment field. Every opportunity on the platform is underwritten by our in-house credit team, reviewed by a Shariah committee, and Alraedah co-invests up to 25% of every deal alongside you. Returns are target-based, and we work actively to protect them. See the risk section above for how risk works on the platform.
Compounding means each monthly payout starts earning too. The first payout has almost a full year ahead of it to keep working; the last one has none. The chart below shows the runway each month's payout has when reinvested.
On a SAR 10,000 / 12-month / 7% deal, reinvesting roughly doubles the year-end profit compared to taking each payout as cash. Use the calculator above to see the exact figures for any amount and tenor.
Minimum investment is SAR 1,000. Tenors available at launch: 12, 24, and 36 months, depending on the specific opportunity.
Yes. Alraedah Invest is licensed and regulated by the Saudi Central Bank (SAMA) as a debt-crowdfunding platform, and the investment structures available on the platform are reviewed by an independent Shariah committee.
For institutions
Corporate treasuries, endowments, foundations, and family offices can access opportunities on Alraedah Invest at institutional scale, with a dedicated relationship manager.
Stay in the loop
Most opportunities fund within 24 hours of launch. One email, once a week, so you see them first.
