Ta3meed

Name

Ta3meed

Legal name

شركة منصة تعميد للتمويل الجماعي بالدين

Website

https://ta3meed.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Debt-Based Crowdfunding & SME Purchase Order Financing

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

P2P Loan Syndication & Participation Platforms (FSAKAHAL)

akta.pro secondary industry

Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH)

Keywords

• Debt-based crowdfunding
• Purchase order financing
• Sharia-compliant lending
• Sme working capital
• Government PO financing

Headquarters

HQ city

Riyadh

HQ country

Saudi Arabia

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Platform Commission on Investments: Tameed earns 20% of the profit from each financing transaction. When investors receive returns from funded purchase orders, the platform takes a percentage of the profit as its fee.
2. Administrative Fees from Borrowers: Administrative fees charged to financing applicants: 2.5% to 2.95% of the financing request amount (excluding VAT). These fees cover due diligence, credit evaluation, and financing arrangement services.
3. Monthly Murabaha Profit: Monthly profit rates ranging from 1% to 2% charged on the financing amount, based on Murabaha (cost-plus) structure compliant with Islamic law.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

Ta3meed operates a SAMA-licensed, Sharia-compliant debt-based crowdfunding platform that provides Murabaha-based Purchase Order (PO) and Performance Bond financing to Saudi SMEs holding government contracts, matching each financing opportunity with capital from a base of 53,000+ retail and institutional investors. The platform enables instant funding decisions (within 24 hours), automated credit assessment, and programmatic investment via an Auto-Invest feature, distributing receivables on a marketplace model.

Product overview

Ta3meed operates as a unified platform for debt-based crowdfunding, specializing in financing SMEs that hold government purchase orders in Saudi Arabia. The core product is the crowdfunding platform enabling peer-to-peer financing between SMEs seeking working capital and investors seeking Sharia-compliant returns. The portfolio includes four primary modules: Purchase Order Financing (the flagship offering), Performance Bond Financing (covering guarantee costs), Instant Financing (rapid access to funds), and E-Invoicing (Zatca-compliant B2B invoicing). The Tameed Ajel program extends the platform as an off-balance-sheet B2B financing solution for partners. An Auto Invest feature automates investment allocation for investors. A mobile app (iOS, Android, Huawei) provides full platform access on mobile. All offerings are Sharia-compliant, regulated by SAMA (license 66/ash/202301), and operate under Islamic finance principles overseen by a Sharia board chaired by Sheikh Dr. Youssef Al-Shubaily.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Order Financing Sharia-compliant Murabaha financing advanced to Saudi SMEs against confirmed government purchase orders, enabling suppliers to access working capital tied to government contracts with funding decisions issued within 24 hours.
• Performance Bond Financing Sharia-compliant financing that enables Saudi SMEs to issue performance bonds required for government and large-corporate contracts, allowing them to bid on and execute projects without tying up their own capital.
• Tameed Ajel (Partnership Financing Program) A B2B partner program that enables authorized distributors and agents to source SME borrowers with government POs and route them through the Ta3meed platform for Murabaha-based financing, extending the platform's distribution to 400+ active partners.

Quantifiable outcome

• 98.5% collection success rate for matured opportunities
• +5 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered strategic, core and supporting.

• MambostrategicStrategic or Co-development PartnerStrategic partnership to accelerate Islamic fintech development in Saudi Arabia. Mambo provides core digital banking technology integrated into the Tameed platform for crowdfunding government purchase orders. The partnership aims to provide innovative Sharia-compliant digital finance for SMEs and connect them with investors.
• Trans Gulf Readymix Concrete CocoreChannel Partner/ Reseller/ DistributorTrans Gulf Readymix joined the Tameed Partners Financing Program to provide financing solutions to Pan Gulf Holding vendors and suppliers. This partnership helps suppliers access working capital financing through Tameed's platform.
• Redington GroupcoreGTM or Marketing PartnerTameed partnered with Redington Group to hold workshops on Finance Solutions for Purchase Orders. The events discussed challenges with traditional PO financing and Tameed's innovative solutions to improve supplier and customer experiences.
• NWWCcoreChannel Partner/ Reseller/ DistributorNWWC (National Water & Water Conditioning) is a partner company utilizing Tameed's purchase order financing solutions for government contracts in the technology and industrial sectors.
• ShakercoreChannel Partner/ Reseller/ DistributorShaker is a partner company in the Tameed AJEL financing program, integrating Tameed's off-balance sheet financing solutions into their offerings.
• TBCsupportingChannel Partner/ Reseller/ DistributorPartner company in the Tameed financing ecosystem providing B2B financing solutions.
• ElitesupportingChannel Partner/ Reseller/ DistributorPartner company utilizing Tameed's financing solutions for business growth.
• Almanar PlasticsupportingChannel Partner/ Reseller/ DistributorManufacturing partner utilizing Tameed's supply chain financing solutions.
• AlsaeedsupportingChannel Partner/ Reseller/ DistributorManufacturing partner in the Tameed ecosystem for financing services.

Scale indicators9 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Lendo: Lendo is a Saudi Arabia-based SAMA-licensed P2P lending platform connecting SMEs with investors. It directly overlaps with Ta3meed on P2P debt-based crowdfunding for Saudi SMEs, though Lendo focuses on broader SME financing rather than exclusively government purchase orders.
• Raqamyah: Raqamyah is a Saudi P2P lending platform targeting SMEs with invoice- and contract-backed financing. It competes head-to-head with Ta3meed on the supply side (SMEs seeking working capital) and demand side (investors seeking Sharia-compliant yields).

Regional players

• Beehive: Beehive is a UAE-based DFSA-regulated P2P lending platform financing SMEs. It is a strong regional comparable to Ta3meed's P2P debt-crowdfunding model and operates in a similar GCC regulatory environment, though focused on UAE SMEs.
• Smart Crowd: Smart Crowd is a UAE-based DFSA-regulated real-estate-focused P2P investing platform. While its asset class is real estate rather than PO financing, it competes for the same retail investor base seeking Sharia-compliant returns in the GCC.
• Sarwa: Sarwa is a UAE-based retail investment platform that absorbed Funding Souq, a regional P2P lending platform. It overlaps with Ta3meed on the retail-investor side, offering alternative-yield products to GCC investors.

Emerging players

• Yabx: Yabx is a Netherlands-headquartered digital lending platform serving emerging markets. While not a direct P2P crowdfunding peer, it operates adjacent fintech-lending infrastructure and competes for similar emerging-market SME working-capital opportunities.
• MNT-Halan: MNT-Halan is one of Egypt's largest fintech platforms offering lending, payments, and consumer finance to underserved segments. It is a regional emerging-market comparable in scale and product breadth to Ta3meed's Saudi P2P/SME focus.
• Malaa: Malaa is a Saudi Arabia-based fintech offering Buy-Now-Pay-Later and SME financing solutions. While its primary product is BNPL rather than PO crowdfunding, it operates in the same Saudi SME financing competitive set as Ta3meed.

Others

• Lean Technologies: Lean Technologies is a MENA open-banking and data infrastructure provider. It is an adjacent enabler for Saudi fintechs like Ta3meed by providing connectivity to bank data that supports KYC, credit decisioning, and embedded-finance integration.
• Tarabut Gateway: Tarabut Gateway is MENA's leading open-banking platform connecting banks, fintechs, and lenders. It is an adjacent infrastructure player whose APIs are commonly used by Saudi fintech lenders to enhance underwriting and embedded-finance capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Ta3meed
• YouTubeyoutube.com/@Ta3meed
• Facebookfacebook.com/tameedplatform
• LinkedInlinkedin.com/company/ta3meed
• Instagraminstagram.com/tameed_

Compliance76 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ta3meed