FAQ

Investors

To invest, you need to register and deposit funds into your wallet. Then, you can choose from the available investment projects. 

Anyone over 18 with a valid national ID or residence permit and an active local bank account can invest on THEMAR. 

Yes, businesses can invest, but it depends on their nature and operation. 

Guarantees may include order documents, personal guarantees, and sometimes additional collateral like real estate or commercial pledges to reduce risks

If a business defaults on repayment, actions will be taken in accordance with Saudi Central Bank laws and regulations. 

Deposits have no fees currently, and withdrawal fees will be charged for accounts outside ANB.

In such cases, the financing request is canceled, and all funds are returned to participating investors. 

Investors can participate up to 20% of the requested financing amount, not exceeding 50,000 SAR per investor, with an annual limit of 200,000 SAR across all projects. Repayment periods range from one to 12 months. 

Investors receive the net profit announced for each project on THEMAR, and there are no additional fees.

Yes, investors have the option to cancel their investment within two days of starting. 

Yes, THEMAR is licensed under 202307/AS/25 

The licensed entities from the Central Bank here

Yes, all financial transactions adhere to Islamic law and are approved by the Shariah Review Bureau (SRB). Read More 

Yes, you can invest from SAR 1,000 up to SAR 50,000 per project and to invest at a high limit you must upgrade your account

    1- You need assets worth at least 3,000,000 SAR. 

    2- A minimum of three years' experience in the financial sector.  

    3- A recognized finance or investment certification, and an annual income of at least 600,000 SAR in the past two years. 

    يتم توزيع رأس المال بالإضافة إلى الأرباح بشكل ربع سنوي

    بعد اكتمال مبلغ التمويل وظهور جداول السداد، يُرجى ملاحظة أن التواريخ الموضحة هي تقريبية وقد تستلم الدفعات في وقت سابق أو لاحق للتاريخ المتوقع.


    Yes, THEMAR is committed to returning invested capital to all investors involved in the project.

    The calendar is an estimate, as this kind of investment holds a certain degree of risk. 

    Yes, investing in financing SMEs puts the principle and profit at risk. 

    Borrowers

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    Any company or institution located in the Kingdom of Saudi Arabia, with a valid and active commercial registration, a minimum operating history of two years, and a clear growth plan, strategy, and vision, can request financing. 

    Financing is available for inventory or fixed assets for companies with prior experience in purchasing them.

    The supplying company should be registered locally or globally and have previous dealings with the financing applicant. 

    THEMAR offers purchase financing services.

    The profit margin is determined based on the company's credit rating and the type of purchases being financed. 

    Required documents include: 

    Price quotation. 

    Commercial registration. 

    Licenses (if applicable). 

    Bank account statement. 

    Supplier details. 

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    The primary guarantee is the promissory note. Optionally, personal guarantees or real estate or commercial pledges may be added. 

    The invoice is canceled, and the amounts are refunded to the investors.

    THEMAR platform stands out because it focuses on financing SMEs based on the principle of Murabaha (profit sharing). 

    Yes, THEMAR is licensed under 202307/AS/25 

    The licensed entities from the Central Bank here

    Yes, all financial transactions adhere to Islamic law and are approved by the Shariah Review Bureau (SRB). Read More