Manafa is a Saudi Central Bank (SAMA)-licensed debt-based crowdfunding platform providing integrated financing infrastructure for Saudi Arabian SMEs. The platform operates under Sharia-compliant principles and is licensed under Saudi Central Bank license No. 64/أ ش/202211. We built the full-stack fintech platform serving businesses, suppliers, and individual investors.
What We Built
SME Financing Portal
A multi-product financing portal covering supply chain financing, invoice financing, payroll financing, working capital, real estate financing, purchase order financing, and letters of guarantee. The platform claims 48-hour funding processing for qualified applicants.
Investor Platform
Investment portal with automated investment options, portfolio analytics, performance tracking, referral programs, and loyalty rewards. Individual investors can target returns up to 18% through the platform's curated deal flow.
Compliance & Partnership Infrastructure
Built to SAMA regulatory requirements with Sharia-compliance architecture throughout. Integrated with supply chain financing partnerships at Saudi Aramco, major Saudi banks, JP Morgan, and government development funds.
Built on: Ruby on Rails · React · PostgreSQL · Sidekiq