← State of Embedded Finance 2026

Ta3meed Announce

“Can a Sharia-compliant, SAMA-licensed debt crowdfunding platform become the dominant embedded trade finance and B2B BNPL infrastructure for SMEs operating in Saudi Arabia's government procurement ecosystem?”

HQRiyadh, Saudi Arabia
IndustryFintech / Lending
The story

Ta3meed was established as Saudi Arabia's first debt-based crowdfunding platform specializing in Purchase Order (PO) financing for SMEs holding government contracts. It is licensed by SAMA and operates under Islamic finance principles (Murabaha). The company has expanded beyond direct SME lending to offer Tameed Ajel, a B2B embedded financing solution (akin to B2B BNPL) that partners can integrate via API into their own platforms — positioning Ta3meed as both a lender and an embedded finance infrastructure provider for trade finance in the Saudi market.

Last 12 months
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Product timeline
2021
Announced strategic partnership with Mambu to integrate core banking SaaS technology into Ta3meed's automated Purchase Order (PO) financing platform for Islamic SME finance in Saudi Arabia.· banking
2023
Licensed by Saudi Central Bank (SAMA) under license number 66/أش/20231 to operate as a debt-based crowdfunding platform.· lending
Regulated entities
Debt-based Crowdfunding License
Saudi Arabia (SAMA) · 2023
شركة منصة تعميد للتمويل الجماعي بالدين
The stack
Banking / BaaS
Mambu
Lending
MambuPurchase Order (PO) FinancingPerformance Bond FinancingTameed Ajel (B2B BNPL / Murabaha Pay Later — 30/60/90 days)Government contract working capital financeDebt crowdfunding investment product
Accounting gap: significant