AUTO INVEST IN FINANCING GOVERNMENT PURCHASE ORDERS
Grow your investment portfolio effortlessly with Tameed, the first platform that pools crowd investments to finance government issued purchase orders. Enjoy high returns from short-term, Sharia compliant investments.
Why to invest with Tameed
Grow your money at higher rates than traditional investments.Investing with Tameed can earn you average net annualized returns between 15% - 20%*
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Flexible and short-term Investment
Investments are backed up by goverment-owned POs
Compliant with Sharia Law as well as KYC and AML, CFT regulations
Very limited correlation to capital market performance
Our streamlined process
We took the hassle out of Investing with our automatic and simplified process
Sign Up
Verify your Account
Once your account is verified, you will be able to deposit funds to your investment wallet.
Activate Auto Invest
Let your Money work for you effortlessly by setting your investment preferences for future opportunities and activating the Auto-Invest. The app will automatically notify you when you are nominated and you will have 48 hours to cancel the investment in an opportunity.
Start earning Profits
Monitor from your app receiving your repayments and profits according to your terms and conditions of each opportunity.
Annual Return Comparison
Returns depend on your risk preferences.
14%
Net annual return from Tameed
5.5%
Sukuk Alrajhi Bank
3-5%
Goverment Sukuk
2-7%
Saudi stocks dividends
Investment Scenarios
Returns depend on your risk preferences.
200,000 SAR
Portfolio size
40
Opportunities
SAR 5 K each
15%
IRR (Nov’20-Dec’22)
SAR 123,445 K
Total Portfolio Gain
1,000,000 SAR
Portfolio size
40
Opportunities
SAR 25 K each
14.9%
IRR (Nov’20-Dec’22)
SAR 218 K
Total Portfolio Gain
1,000,000 SAR
Portfolio size
40
Opportunities
SAR 25 K each
15%
IRR (Nov’20-Dec’22)
SAR 123,445 K
Total Portfolio Gain
Risk Mitigation
High Credit Rank
High Credit Bank KSA government is rated A1 (Moody’s, May 1, 2020) Suppliers are well-rated, reputable multinational manufacturers.
Secure Platform
Secure PlatformTameed Platform and data are protected by bank-level security and state-of-the-art encryption.
Adequate credit check
Adequate credit check, Adequate credit screening, KYC and legal due-diligence checks are conducted on all participants, including POs, and payment history.
Confirmed PO
Confirmed POs are confirmed by the Saudi government prior to funding, representing a payment guarantee.
Risk Assessment
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Credit Scoring
Only approved transactions and participants are offered to financier on the Tameed Platform.
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SME Legal Due Diligence
All historical records are collected from local credit bureaus SIMAH.
Risk Assessment on Distributor and Resellers
Audit financial records and bank statements of the distributor as well as credit history, maturity, and experience of the reseller’s business are reviewed and assessed.
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Simple and Clear Pricing
Historical records of POs and the issuer’s speed of payment are reviewed.
Credit Scoring
Published opportunities are evaluated and given a credit score for assessing the institutional beneficiary’s credit rating through approved credit scoring system. Tameed approved credit standards include wide number of information including but not limited to review and evaluates institutional beneficiary’s financial position, the solvency of company, requesting financing in addition to institutional beneficiary credit record, the purchase order issuer, PO type, etc. Three Investment categories are available through Auto-Invest based on the related risk level, (Balanced - Growth - Package) and include risk classifications, which we explain as follows:
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Conservative
Activate the Conservative option to invest in opportunities with score "A". It includes 3 classifications based on the risk level:
A+: Very low risk
A : Low risk
A-: low to moderate risk
Balanced
Activate the Balanced option to invest in opportunities with score "B"It includes 3 classifications based on the risk level:
B+: medium to low risk
B : medium risk
B-: medium to high risk
Growth
Activate the Growth option to invest in opportunities with score "C" It includes 3 classifications based on the risk level:
C+: high to medium risk
C: high risk
C-: very high risk
FAQs
The Answers to most of your questions
Tameed is the first crowd debit lending platform licensed by the Saudi National Bank and is specialised in offering local SMEs that have Purchase Orders from Government agencies or Large private Companies a financing alternative other than a business loan to fund their Purchase orders.
You can register by visiting the Tameed homepage at ta3meed.com, clicking on the 'Sign-up’ button, selecting 'I Want to Invest', filling out the following personal information: (ID or residence number - date of birth - mobile number - email), and then setting a password.
Investing through the Tameed platform involves the risks of investing in small and medium-sized enterprises, including the possibility of capital loss or delayed repayment, but we are very diligent in picking opportunities and this is reflected in our very low default number of 0.61% over the lifetime of Tameed.
Our average expected net annual return for our investors were 16%
The profits are deposited into the portfolios of the participating investors after the financing period mentioned in the opportunity details ends.
You will receive a text message informing you of your acceptance in the opportunity if you are entered .