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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 below. The three outcomes update together: locked, monthly, and reinvested.
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.
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.
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.
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.
Frequently asked
The 7% is an effective return, not a flat yearly rate. Because you receive part of your capital back every month, the amount that is actively earning inside the platform gradually decreases over the year. Your full benefit from the 7% target shows up only when you reinvest each monthly payout; then your profit grows to approximately SAR 723 on SAR 10,000 over 12 months.
With a bank deposit, your money is locked for the full year. You cannot use it. With Alraedah Invest, you receive approximately SAR 865 every month, which you can spend, save, or reinvest. If you reinvest, your final amount is approximately SAR 10,723, more than the bank. The monthly liquidity is the real advantage.
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 withdraw each monthly payout to your bank account and use it as cash. But if you reinvest, you compound your return, reinvested 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. We manage risk through three concrete mechanisms:
Returns are target-based. The main risks are default, delay, cancellation, and liquidity. See the risk section above for how each one works.
Compounding means the returns you receive also start earning returns. Example: the first monthly payout of SAR 865 on a 12-month deal, if reinvested, begins earning for the remaining 11 months. The second payout earns for 10 months. And so on. By the end of the year, the difference is visible: approximately SAR 723 in profit with reinvestment, compared to SAR 383 without.
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), and Alraedah's products are reviewed by a Shariah committee.
Governance
Alraedah Invest operates under SAMA's regulatory framework for crowdfunding platforms, with ongoing oversight of disclosure, conduct, and complaint handling.
Every product structure on the platform is reviewed and approved by a Shariah committee before any opportunity is launched to investors.
Alraedah commits up to 25% of its own capital to every opportunity on the platform. Your outcome and ours move together.
For institutions
Corporate treasuries, endowments, foundations, and family offices can access opportunities on Alraedah Invest at institutional scale, with a dedicated relationship manager.
Book a call with our institutional teamStay in the loop
Most opportunities fund within 24 hours of launch. One email, once a week, so you see them first.