Ta3meed is a Saudi-based fintech company specializing in Shariah-compliant debt-based crowdfunding, focusing on financing government purchase orders for small and medium-sized enterprises (SMEs). By connecting SMEs with investors seeking secure investment opportunities, Ta3meed aims to streamline the financing process and enhance cash flow for businesses engaged in government contracts.

Established in 2019, Ta3meed was founded by a team of professionals with extensive experience in finance, technology, and business development. The company's mission is to provide innovative financing solutions tailored to the unique needs of SMEs in Saudi Arabia. Over the years, Ta3meed has experienced significant growth, expanding its user base and increasing the volume of financed purchase orders.

In December 2023, Ta3meed successfully closed a Series A funding round, raising SAR 56.75 million (approximately USD 15 million). This round was led by Alromaih Investment Group, reflecting strong investor confidence in Ta3meed's business model and growth potential.

Ta3meed offers a range of services designed to meet the financing needs of SMEs:
 

• Purchase Order Financing: Provides quick access to capital by financing government-backed purchase orders, enabling businesses to fulfill contracts without financial strain.
   
• Performance Bond Financing: Offers financing solutions to cover the costs associated with performance bonds required for government contracts.
   
• E-Invoicing: A free e-invoicing service for B2B transactions, compliant with the Saudi Arabian Zakat, Tax, and Customs Authority (ZATCA) regulations.
   

These services are managed through a secure platform regulated and approved by the Saudi Arabian Monetary Authority (SAMA), ensuring compliance with local financial regulations.

As of the latest available information, Ta3meed has not made any acquisitions. However, the company continues to expand its product offerings by integrating advanced technologies and exploring new financing solutions to better serve its clients.

Ta3meed has recently introduced several features to enhance user experience:
 

• Auto Invest in Financing Government Purchase Orders: Allows investors to automatically invest in government-backed purchase orders, streamlining the investment process.
   
• Ta3meed Ajel: A partnership that adds value by offering off-balance sheet financing options to suppliers, helping them grow their businesses and improve cash flow.

Ta3meed fosters a culture centered on innovation, integrity, and customer-centricity. The co to offering innovative financing solutions for every SME in Saudi Arabia, focusing on problem-solving and maintaining a growth mindset. Ta3meed emphasizes ethical business practices, ensuring all operations are conducted in compliance with Shariah principles.

Ta3meed serves a diverse user base, including:
 

• Small and Medium-Sized Enterprises (SMEs): Businesses engaged in government contracts seeking quick and cost-effective financing solutions.
   
• Investors: Individuals and institutions looking for secure, Shariah-compliant investment opportunities with attractive returns.
   

The platform has garnered significant interest, with over 144,000 approved subscriptions and an average annual return of 17% for closed opportunities.
 

Ta3meed's community is built on trust and mutual benefit, connecting businesses in need of financing with investors seeking ethical investment opportunities. The company's commincy and compliance with Shariah law has fostered a strong and growing community of users.