• personaliseYourRisk

    Monthly repayments and short investment horizons

  • 0% Hidden Fees

    The return you see is what you get

  • diversifyYourPortfolioByLending

    Regulated by the Saudi Central Bank

Earn regular income up to 23% per year

Sharia compliant investing in small business finance.

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Earn regular income up to 23% per year

Sharia compliant investing in small business finance.

Start investing
  • personaliseYourRisk

    Monthly repayments and short investment horizons

  • 0% Hidden Fees

    The return you see is what you get

  • regulationBySaudiDubai

    Regulated by the Saudi Central Bank

We make private credit investing fast, safe, and easy
  • create-account
    Create an account
    Register as an investor in less than 3 minutes.
  • browse-opportunities
    Browse opportunities
    You can invest manually or enable our Auto Invest feature.
  • invest-money
    Invest
    Deposit funds and start investing.
  • monthly-repayments
    Monthly repayments
    Choose to withdraw your earnings or reinvest for maximum return.
Investing in Private Credit
Private credit is an alternative asset class that provides high yields and short-term investments uncorrelated to the stock market. This is why institutional investors are flocking to the $7th private credit market. At Funding Souq, we offer Sharia-compliant private credit opportunities to individual and institutional investors.

At Funding Souq, we offer Sharia-compliant private credit opportunities to individual and institutional investors.
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Private Credit
with Funding Souq
Real Estate
Stock Market
(S&P500)
High Yield Sukuk or Bonds
Target Net Returns 15% p.a 8% p.a 9.4% p.a 6% p.a
Investment Horizon As little as 3 months Years Varies Varies
Diversification: Low correlation to other asset classes
Regular Monthly Income
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Shariah Compliance
Funding Souq offers Shariah-compliant investment and financing solutions. We are dedicated to following Islamic principles and have a Sharia Supervisory Board ensuring compliance of each transaction.

Certified by the Dar Al Sharia

Investment Calculator
Invested Funds
ʢ
Investment Period
Balanced Auto-investing
Conservative Auto-investing
Invested Amount
ʢ
Net Yield
%
Total Cash Return
ʢ
Who can invest on Funding Souq?
Individual Investor
The existing financing across all financing opportunities can up to ʢ 250,000. Additionally, investments in any single opportunity cannot exceed 25% of the opportunity's total amount.
Professional Investor
Professional investors don’t have an investment limit. To be classified as a professional investor you need to prove that your net worth exceeds $1m.
Corporate Investor
Companies that register as investors are classified as Corporate Investors.
Credit Parameters
Financial Capacity
Our Credit Team carefully analyzes the financial performance of SME borrowers, considering various factors to evaluate their financial capacity. We thoroughly assess the borrower’s ability to generate revenue, effectively manage cash flow, and fulfill their financial obligations. Our analysis encompasses several key areas of focus, including:
  1. Income Generation.
  2. Cash flow Assessment.
  3. Profitability and Ratio Matrix.
  4. Liquidity Ratio Evaluation.
  5. Working Capital Management.
  6. Debt Repayment Capacity.
  7. Capital Structure.
  8. Cash Cover in Bank Statements.
Credit History and Risk
Assessing the credit history and risk profile of SME borrowers is essential to determine their reliability and creditworthiness. The Funding Souq Credit Team carefully examines the following areas to gain insights into the borrower's past credit behavior and assess associated risks:
  1. Review how well the borrower has repaid loans to Funding Souq and other financial institutions.
  2. Outstanding Debt and Facility Utilization.
  3. Considering credit factors specific to the borrower's industry that may impact their creditworthiness.
Owner Character and Commitment
Assessing the background of all SME owners (>5% shareholding) is crucial in understanding their level of dedication and responsibility towards the business. The Funding Souq Credit Team evaluates the following points related to owner character and commitment:
  1. Do shareholders have family based in the KSA?
  2. Do shareholders have children in school in the KSA?
  3. Do shareholders own property in the KSA?
  4. How much debt do shareholders have in the KSA? and how much has been paid off?
  5. How much equity have shareholders invested in the business since conception?
  6. To what extent are shareholders withdrawing funds from the business?
  7. What are the shareholder’s current credit bureau scores?
External Sources
Funding Souq conducts additional layers of due diligence to ensure the prospects are not advertised outside the platform nor are they seeking funding on other platforms. Also, the firm uses a variety of established private and public third parties to further supplement the internal risk analysis. These include:
  1. Sanction list screening softwares
  2. Thomson Reuters World Check – Market Leading Screening Reports.
As an integral part of the Funding Souq Risk Assessment process, a mandatory site visit report created that allows for a comprehensive evaluation of the business operations. During the visit business specific questions are asked, the working site is observed, and the management is interviewed.
Our Credit Team carefully analyzes the financial performance of SME borrowers, considering various factors to evaluate their financial capacity. We thoroughly assess the borrower’s ability to generate revenue, effectively manage cash flow, and fulfill their financial obligations. Our analysis encompasses several key areas of focus, including:
  1. Income Generation.
  2. Cash flow Assessment.
  3. Profitability and Ratio Matrix.
  4. Liquidity Ratio Evaluation.
  5. Working Capital Management.
  6. Debt Repayment Capacity.
  7. Capital Structure.
  8. Cash Cover in Bank Statements.
Assessing the credit history and risk profile of SME borrowers is essential to determine their reliability and creditworthiness. The Funding Souq Credit Team carefully examines the following areas to gain insights into the borrower's past credit behavior and assess associated risks:
  1. Review how well the borrower has repaid loans to Funding Souq and other financial institutions.
  2. Outstanding Debt and Facility Utilization.
  3. Considering credit factors specific to the borrower's industry that may impact their creditworthiness.
Assessing the background of all SME owners (>5% shareholding) is crucial in understanding their level of dedication and responsibility towards the business. The Funding Souq Credit Team evaluates the following points related to owner character and commitment:
  1. Do shareholders have family based in the KSA?
  2. Do shareholders have children in school in the KSA?
  3. Do shareholders own property in the KSA?
  4. How much debt do shareholders have in the KSA? and how much has been paid off?
  5. How much equity have shareholders invested in the business since conception?
  6. To what extent are shareholders withdrawing funds from the business?
  7. What are the shareholder’s current credit bureau scores?
Funding Souq conducts additional layers of due diligence to ensure the prospects are not advertised outside the platform nor are they seeking funding on other platforms. Also, the firm uses a variety of established private and public third parties to further supplement the internal risk analysis. These include:
  1. Sanction list screening softwares
  2. Thomson Reuters World Check – Market Leading Screening Reports.
As an integral part of the Funding Souq Risk Assessment process, a mandatory site visit report created that allows for a comprehensive evaluation of the business operations. During the visit business specific questions are asked, the working site is observed, and the management is interviewed.
Credit Scores
The borrower is assigned a risk band (A, B, or C) based on a credit score which is calculated by our proprietary credit score card. The table below outlines the different risk bands and their relative score.
A B C
90 to 98 54 to 89.99 26 to 53.99
The overall credit score is based on 4 main credit parameters and their respective weighting as outline below.
Credit Parameters
Weighting (%)
Risk Score
Financial Capacity (out of 47 points)
47%
A: 44 points or more
B: 26 to 43 points
C: 14 to 25 points
Credit history and risk (out of 34 points)
34%
A: 31 points or more
B: 18 to 30 points
C: 6 to 17 points
External sources (out of 10 points)
10%
A: 7 points or more
B: 5 to 6 points
C: 4 to 5 points
Owner character and commitment (out of 9 points)
9%
A: 6 points or more
B: 6 to 7 points
C: 2 to 5 points
Testimonials
Frequently Asked Questions

Yes, it can be deactivated and activated on the Investment Settings page at any time.

The Balanced strategy is designed to make the most of the available opportunities on Funding Souq. Our system will allocate unlimited exposure to A-rated opportunities as these are fully guaranteed through our partnership with Sharjah Media City. Given that our B-rated opportunities are not guaranteed and are riskier, our system will limit your exposure to 10% of your total portfolio for these opportunities.


The Conservative strategy is designed to minimize your risk but with that comes lower returns as well. Our system will allocate your funds to only A-rated opportunities which are fully guaranteed through our partnership with Sharjah Media City.

Auto-Investing is a feature that allows you to invest your available funds in a hassle-free manner. If enabled, our system will automatically allocate your recently deposited funds or your repayments into live opportunities on the Marketplace. There are 2 types of Auto-Investing strategies, Balanced and Conservative, and these are designed to maximize your returns on a risk-adjusted basis.

Funding Souq is open to all nationalities although there are some regulatory restrictions.

Funding Souq requires the above documents to comply with the Dubai Financial Services Authority (DFSA). As per regulatory requirements, all regulated firms need to maintain valid ID documents and client information. This requires us to understand your identity, source of funds and previous dealings. If need may be, we might contact you for additional documents as the previous list is non-exhaustive. Funding Souq cannot withdraw money from your account and all deposits will be made by you transferring money into a segregated bank account.

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