Things You Need To Know Before You Start To Invest
1
Start with SAR 1,000
Choose the amount you wish to invest, starting from SAR 1,000.
2
How to Start Your Investment?
Start investing in just a few easy steps — fully digital and hassle-free:
Sign up through the app or website
Enter your personal details (mobile number, national ID, or residency)
Provide your employment information and national address
Once your registration is complete, you'll be approved within 24 hours at most. Then, you can deposit money to begin investing in available opportunities.
3
Types of Investors
Raqamyah offers investment opportunities to three types of investors:
Individual Investors: Anyone can sign up and start investing through the platform, by meeting the following conditions:
Maximum investment per opportunity: SAR 250,000
Investment per opportunity must not exceed 25% of the total funding amount requested.
Qualified Investors: You can upgrade your account to a qualified investor status. There’s no minimum investment required. To get upgraded, you’ll need to sign a Declaration confirming at least one of the following:
You own assets worth at least SAR 3 million.
You have a minimum of 3 years of relevant experience in the financial sector.
You hold a professional certification in financial analysis or a similar field.
Annual income of at least SAR 600,000 over the past two years.
Institutional Investors: These are entities or institutions that invest on behalf of their members according to their internal policies.
This includes, for example, but not limited to, institutional investors can be banks, financial companies, credit companies, funds, family offices, investment companies, governmental or semi-governmental entities, etc.
4
Investment Methods on Raqamyah
You can invest on Raqamyah using two different methods:
Auto Investment: It’s a smart tool that automatically distributes your investments based on criteria you set.For example, you can define the maximum investment amount per funding request and choose the level of risk you're comfortable with — all through your control panel on the platform.
Key Benefits:
Diversifies your investment portfolio to maximize the value of your available funds.
Fully automated investing with no need for daily monitoring or manual intervention.
Manual Investment: This method gives you full control to explore and choose opportunities yourself, using the platform’s search and filtering tools to review details and make informed decisions.Each opportunity page includes key information such as:
Risk rating of the financing request
Financial data of the applicant
Expected annual return
Purpose of the financing
Duration
5
Carefully selected companies
Every finance request is thoroughly reviewed by our in-house credit team. This includes an in-depth analysis of the applicant’s financials, market position, and management team.
Each request is then assigned a risk grade (ranging from A+ to C), which determines the expected profit rate offered for that opportunity.
6
Spread your investments!
Spreading your investments across multiple Opportunities helps reduce the risk of capital loss.We recommend spreading across at least 50
For example, If you plan to invest SAR 50,000, it’s better to allocate SAR 1,000 to 50 different companies, rather than SAR 2,000 to just 25.
7
Non-Performing Finance Request
Financing to SMEs presents a risk of capital loss due to non-performing financed amount: delays or defaults. Raqamyah manages the process of financed amount collection and default management on behalf of Investors. More precisely, Raqamyah manages commercial recovery directly and works with a partner for legal collection. Read more