# Lendo

**Canonical:** https://apis.io/providers/lendo/  
**Website:** https://lendo.sa  
**APIs profiled:** 1

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.

## Kin Score — 26.0 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 26.0).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 12.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 23.9 |
| Commercial Clarity | 60.5 |

## Agent readiness — 3.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **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 (2)

- **Lendo Domain Security** — TLSv1.3 · HSTS · DMARC
- **Lendo Trust Center** — SAMA CSF

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lendo/). Scores are computed from the provider's own public artifacts under a published rubric.