Lendo

Lendo (شركة ليندو السعودية للتمويل) is a Riyadh-based Saudi fintech licensed by the Saudi Central Bank (SAMA, License No. 61/A SH/202203, capital SAR 50M) that operates the Kingdom's first SAMA-licensed Sharia-compliant debt-based crowdfunding platform. Lendo connects small and medium enterprises needing liquidity with retail and institutional investors, offering invoice financing, working capital financing, purchase-order financing and term loans funded within 48 hours of document completion, alongside government-backed programs with Monshaat, SME Bank, the Tourism Development Fund, the Cultural Development Fund, Modon and the Kafala guarantee scheme. On the investor side it runs tiered retail products (Basic, Premium, High Net Worth), an auto-invest engine and an A-D credit scoring engine, reporting SAR 4.5B+ in cumulative financing across 10,000+ funded deals at a 2.93% overall default rate. Lendo publishes no public developer program, API documentation or SDKs; its production API host is authentication-gated and its machine-readable public surface is limited to an llms.txt and a SafeBase-hosted trust center.

Lendo is listed with 1 API on the APIs.io network. Tagged areas include Company, Financial Services, Fintech, Lending, and Crowdfunding.

Lendo’s developer surface includes documentation, support, engineering blog, pricing, signup flow, and 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

28.1/100 thin ▬ flat Agent 3/100 human only Front door AI 1/6 silent Heartbeat 48/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Financial Services Fintech Lending Crowdfunding Invoice Financing SME Finance Islamic Finance Saudi Arabia Middle East

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 28.1/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 4.5 / 17

Access Clarity 10.3 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 3.5 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 26.2 — up to +14.8 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/lendo/apis.yml: open an issue on github.com/api-evangelist/lendo to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	1

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Lendo Platform API

Production API host backing the Lendo web and mobile applications. Discovered by probe at https://api.lendo.sa - it is live and returns a structured bilingual (Arabic/English) J...

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Lendo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Lendo Trust Center

SAMA CSF

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Login

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

ErrorCatalog

ErrorCatalog

Conformance

Conformance

Access & Security 3

Authentication, authorization, and security posture

Compliance

Compliance

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

HelpCenter

HelpCenter

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: lendo
name: Lendo
description: Lendo (شركة ليندو السعودية للتمويل) is a Riyadh-based Saudi fintech licensed by the Saudi Central Bank (SAMA,
  License No. 61/A SH/202203, capital SAR 50M) that operates the Kingdom's first SAMA-licensed Sharia-compliant debt-based
  crowdfunding platform. Lendo connects small and medium enterprises needing liquidity with retail and institutional investors,
  offering invoice financing, working capital financing, purchase-order financing and term loans funded within 48 hours of
  document completion, alongside government-backed programs with Monshaat, SME Bank, the Tourism Development Fund, the Cultural
  Development Fund, Modon and the Kafala guarantee scheme. On the investor side it runs tiered retail products (Basic, Premium,
  High Net Worth), an auto-invest engine and an A-D credit scoring engine, reporting SAR 4.5B+ in cumulative financing across
  10,000+ funded deals at a 2.93% overall default rate. Lendo publishes no public developer program, API documentation or
  SDKs; its production API host is authentication-gated and its machine-readable public surface is limited to an llms.txt
  and a SafeBase-hosted trust center.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/694bacb635847d327e4bb887/6976655d086075b08122ba96_OG%20Image.png
url: https://raw.githubusercontent.com/api-evangelist/lendo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Financial Services
- Fintech
- Lending
- Crowdfunding
- Invoice Financing
- SME Finance
- Islamic Finance
- Saudi Arabia
- Middle East
tags_raw:
- Company
- Financial Services
- Fintech
- Lending
- Crowdfunding
- Invoice Financing
- SME Finance
- Islamic Finance
- Saudi Arabia
- Middle East
- Financial-Services
apis:
- aid: lendo:platform-api
  name: Lendo Platform API
  description: Production API host backing the Lendo web and mobile applications. Discovered by probe at https://api.lendo.sa
    - it is live and returns a structured bilingual (Arabic/English) JSON envelope, but every path responds 401/403 without
    a bearer token. Lendo publishes no public developer portal, API reference, OpenAPI definition or partner integration documentation,
    so this API is recorded as a private, undocumented surface rather than a consumable public API.
  humanURL: https://www.lendo.sa/en
  baseURL: https://api.lendo.sa
  tags:
  - Lending
  - Fintech
  - Private API
  properties:
  - type: Conventions
    url: conventions/lendo-conventions.yml
  - type: ErrorCatalog
    url: errors/lendo-problem-types.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://lendo.sa
- type: DeveloperPortal
  url: https://www.lendo.sa/en/help-center
- type: Documentation
  url: https://www.lendo.sa/en/help-center
- type: HelpCenter
  url: https://www.lendo.sa/en/help-center
- type: Support
  url: https://lendo.freshdesk.com/en/support/tickets/new
- type: Blog
  url: https://www.lendo.sa/en/blog
- type: Pricing
  url: https://www.lendo.sa/en/pricing
- type: SignUp
  url: https://app.lendo.sa/register
- type: Login
  url: https://app.lendo.sa/
- type: TermsOfService
  url: https://www.lendo.sa/en/terms-of-use
- type: PrivacyPolicy
  url: https://www.lendo.sa/en/privacy-policy
- type: Compliance
  url: https://trust.lendo.sa/
- type: TrustCenter
  url: security/lendo-trust-center.yml
- type: LLMsTxt
  url: llms/lendo-llms.txt
- type: Conventions
  url: conventions/lendo-conventions.yml
- type: ErrorCatalog
  url: errors/lendo-problem-types.yml
- type: Conformance
  url: conformance/lendo-conformance.yml
- type: DomainSecurity
  url: security/lendo-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Lendo API — frequently asked questions

Does Lendo have an API?

Yes. APIs.io lists 1 API from Lendo, including Lendo Platform API.

Is the Lendo API ready for AI agents?

Lendo has a Kin Score of 28.1 out of 100 (thin) and an Agent Readiness score of 2.9 (human-only), scored by API Evangelist on 2026-11-06.

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