Flexible financial solutions that maximize your business growth!

Businesses lose an average of 20% of annual revenue due to limited access to finance. himma makes financing easily accessible, offering customized lending options that meet your business needs in a matter of days.

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Certified by Saudi Central Bank
Shariah-Compliant
Connect
Grow
Earn
Connect businesses with investors
Grow your business quickly
Earn high returns on your investments
Islamic Financing

Commitment to Shariah Compliance

At himma, we make sure our business conduct abides by Islamic principles and values.
Integration

More than 200 customers feel the himma-effect

Investor
Business
How himma works

Start using himma in 3 simple steps

Your gateway to a new financial future starts here.
1
Sign Up
Sign up as an investor on the himma platform. We'll take care of all the data integration and verification for you.
2
Invest
Top up your wallet and start investing upon completing the signup process. You can invest either manually or through our Auto-invest. Learn more!
3
Earn
You'll get your principal amount back and earn profits hassle-free. We take care of crediting funds to the businesse bank accounts and collecting payments on time.
How himma works

Unlock your potential growth

Supercharge your company's cashflow with financial solutions, specifically tailored to meet the needs of businesses in Saudi Arabia.
1
Register your company
Sign up as a business on the himma platform, and we’ll handle your data integration and verification.
2
Apply for a loan
Request your desired amount, and our credit risk team will evaluate your application within 5-7 working days.
3
Get funded
Once approved, we will open your loan opportunity for himma investors to fund it.

Keep track of your investment

The himma app gives you full visibility. You'll be able to see the amount invested and the expected net profits on the Portfolio summary.
Invest in financing businesses
Track your investments
Manage your portfolio
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RISK WARNING
‍The competent finance team at himma evaluates the credentials of each business before finalizing a user agreement. As a buyer-centric entity, himma adheres to a set of compliance practices and mechanisms to ensure that only authentic listings are featured on the platform for funding purposes. Nonetheless, it is imperative for investors to understand that they are lending to businesses which maybe at the early-stages of establishing their presence in the industry. Therefore, the level of risk associated with such investments is higher which could also result in a potential loss and delays in repayment. It is necessary to understand that you could lose your money.
Himma is licensed by the Central Bank of Saudi Arabia to practice debt crowdfunding activity,
with License No.  ٦١/أ ش/٢٠٢٢٠٣
Contact Number: +966 1000-2000
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