Growth with TALis effortless
TAL Provides A Financing Ecosystem That Helps Businesses Grow By Financing Their Purchase Orders.
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Digital Financing Experience
We integrate with public and private entities to deliver a fast and easy digital service.
Exploring Investment & Financing Solutions
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Invest Easily
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Grow Your Wealth
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Create Your Account
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Funding Application
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Review & Approve the Opportunity
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Contracting & Securing Purchases
Why TAL?
Trusted Financing Solutions That Empower Your Business Growth.
Multiple Financial Solutions
Safe & Reliable Platform
Sharia-Compliant Financing
Immediate Assistance
Platform Performance
Last Update On —
Total Portfolio
SAR 20,629,838
Collection and Disbursement
SAR 7,158,380
Portfolio Allocation Across Different Risk Levels
- 99.75% Low
- 0.16% Low to Medium
- 0.09% Medium to High
Default Rates
0%Default Rate
Frequently Asked Questions
What is TAL Finance?+
TAL Debt Crowdfunding is a closed joint-stock company licensed by the Saudi Central Bank (SAMA). The company provides financing solutions and services through financial technology (FinTech) and specializes in financing small and medium-sized enterprises (SMEs) through Shariah-compliant Murabaha financing.
What is Debt Crowdfunding and How Does It Work?+
Debt crowdfunding is the process of raising funds from participants (investors) to finance businesses, which subsequently repay the financing amount along with the agreed profit.
Who Are the Parties Involved in the Debt Crowdfunding Process?+
The Murabaha financing process on the TAL platform involves four main parties:
The financing applicant (SMEs).
TAL Debt Crowdfunding Platform.
Participants (investors), including individuals and companies.
Suppliers from whom goods are purchased and subsequently sold to the financing applicant.
Are the Financing Transactions on TAL Shariah-Compliant?+
Yes. All financial transactions conducted through TAL are fully compliant with Islamic Shariah principles and are certified by a Shariah supervisory body.
What Are the Benefits for Suppliers?+
TAL's financing solutions help suppliers increase their sales by providing effective financing options to their SME and micro-enterprise customers, creating a financing ecosystem that supports the growth of both suppliers and their clients.
What Are the Registration Requirements for Investors?+
To register as an investor, click on the “Register” button on the homepage and follow the registration steps. Upon completing the registration process, including accepting the Terms and Conditions, you will be required to verify your identity through the Nafath application. Your information will then be reviewed, and your account will be activated within three business days. Additional documents may be requested in certain cases.
How Can I Invest Through TAL Platform?+
Investments are currently made through direct investing. After registering and depositing funds into your wallet, you can select and invest in the investment opportunity that best suits your preferences from the opportunities available on the application.
Are TAL’s Financing Transactions Shariah-Compliant?+
Yes. All financing transactions conducted through Tal are fully compliant with Islamic Shariah principles. You may review the Shariah Compliance Certificate for further details.
What Happens If an Investment Opportunity Is Not Fully Funded?+
If the required funding amount is not fully covered, the financing request submitted by the financing applicant will be cancelled, and all funds contributed by participating investors will be refunded.
Are There Risks Associated with Investing in Financing Opportunities?+
Yes. Investing in financing opportunities for small and medium-sized enterprises (SMEs) involves risks that may affect both the expected profits and the invested capital.
What Are the Minimum and Maximum Investment Limits?+
An investor's participation must not exceed 20% of the required financing amount, with a maximum investment of SAR 50,000 per opportunity and SAR 200,000 annually across all opportunities listed on the application. Qualified investors are not subject to these investment limits.
When Will Investors Receive Their Returns?+
Profits are distributed on the maturity date once the financing applicant completes the repayment. A grace period of up to two weeks may apply from the due date. In the event of a delay in repayment, TAL will take the necessary legal actions and keep investors informed of any updates.
What Fees Does TAL Charge Investors?+
TAL charges a Success Fee equal to 20% of the realized profits for each investment opportunity. This fee is deducted automatically upon profit distribution.
Are There Any Fees for Deposits or Withdrawals?+
No. TAL does not currently charge any fees for depositing or withdrawing funds.
How Can I Transfer Funds to My Investment Wallet?+
Funds can be transferred via bank transfer using the registered IBAN linked to the investor's identity. Please note that TAL does not accept cash deposits or cheques.
How Can I Upgrade My Account to a Qualified Investor?+
You can upgrade your account by logging in and navigating to the Account Upgrade page. You will need to submit documents proving that you meet at least one of the approved Qualified Investor criteria.
What Is an IBAN Certificate and How Can I Upload It?+
An IBAN Certificate is a document issued by your bank that includes the account holder’s full name, account number, and national ID number.
Does TAL Commit to the Announced Distribution Dates?+
All investments involve a degree of risk, which may affect the timing of distributions. Therefore, repayment schedules are considered indicative. However, TAL exercises due care and diligence to ensure distributions are made as close as possible to the announced dates.
What Legal Actions Does TAL Take in Case of Late Repayment?+
TAL initiates enforcement procedures against the guarantees provided by the beneficiary directly through the Enforcement Courts, without requiring any involvement from investors.
What Are the Steps to Apply for Financing for SMEs?+
You can register your business, complete the financing application form, and upload all required documents and information. Once the application is complete, it will be reviewed by our credit team, which will decide whether to approve or reject the request. If approved, the financing opportunity will be published on the platform.
Who Can Apply for Financing?+
Any company or establishment based in the Kingdom of Saudi Arabia may apply for financing, if it has a valid Commercial Registration (CR), at least two years of operating history, and a business plan demonstrating a clear growth strategy and vision.
What Are the Minimum and Maximum Financing Amounts?+
The minimum financing amount is SAR 50,000, while the maximum financing amount is SAR 7,500,000.
How Long Does It Take to Review a Financing Application?+
The credit assessment and approval decision are completed within 72 hours after all requirements have been fulfilled.
What Guarantees Are Required to Obtain Financing?+
The primary guarantees include a promissory note issued by the financing applicant along with guarantees from the business owners. Additional guarantees may be requested depending on the nature and risk assessment of the application.
How Does the Financing Process Work?+
The applicant submits a financing request and uploads a quotation for the required goods or products through the platform. TAL then verifies the request and proceeds with purchasing the goods from the supplier, after which the goods are sold to the financing applicant under a Murabaha financing structure.
What Happens If the Required Funding Amount Is Not Fully Covered?+
If the financing opportunity is not fully funded, the invoice will be cancelled and all funds will be returned to the participating investors.
Are Newly Established Companies Eligible for Financing?+
No. To qualify for financing through TAL, a business must have been operating for at least two years and have annual sales of no less than SAR 1 million.
What Happens If the Financing Applicant Delays or Defaults on Repayment?+
TAL will enforce the guarantees provided by the beneficiary directly through the Enforcement Courts and take all necessary legal actions in accordance with the regulations and instructions issued by the Saudi Central Bank.
What Happens to Investors' Funds If the Required Financing Amount Is Not Reached?+
In this case, the financing request submitted by the financing applicant will be cancelled, and all funds received from participating investors will be refunded.
What Fees Does TAL Charge Financing Applicants?+
TAL charges administrative fees ranging from 2% to 3% of the financing amount, in addition to the agreed financing cost.
Is There a Specific Timeline for Collection Procedures?+
There is no fixed timeline for collection procedures. If a financing applicant delays repayment, TAL will initiate enforcement of the provided guarantees and take the necessary actions to recover the outstanding amounts as soon as possible.
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Important Notice
TAL conducts due diligence in assessing and evaluating investment opportunities listed on the platform, including their associated risks and the suitability of financing applicants. This process includes verifying the accuracy of the information and documents submitted by financing applicants in compliance with the requirements and regulations of the Saudi Central Bank (SAMA), as well as assigning a credit risk rating and providing a comprehensive overview of each investment opportunity to support informed investment decisions.
The listing of any investment opportunity on TAL platform does not constitute investment advice, a recommendation, or a guarantee to invest or provide financing. Investing in these opportunities may expose participants to substantial risks, including the potential loss of some or all of the investment amount if the beneficiary company defaults.