Featured
Why Saudi Investors Are Turning to Private Credit Through Invoice Financing
Insights
Read More
#1 Invoice Financing Solution
Fund Businesses.
Fuel Returns.
Invest in Shariah-compliant, short-term financing opportunities with real-time visibility and projected annual ROI of up to 10%.
Short-term contracts with defined maturity and exit- Fully Shariah-compliant, verified by scholars
- Every investment backed by vetted and pre-approved business invoices
Create Account
Create Account
Start for Free
Invoice-based investing, simplified
Backed by receivables.
Built for returns.
Invest in short-term, Shariah-compliant opportunities backed by pre-approved receivables with clear terms, durations, and risk profiles.
Create Account
Create Account
Start for Free
.svg){kind=icon}
Earn steady returns with less guesswork.
Invest in risk-rated, invoice-backed contracts with clear maturity and expected profits.
Grow your capital the Shariah way.
All investment structures are based on Murabaha and verified by certified Shariah advisors.
Aligned with Vision 2030 goals.
Support SME growth in Saudi Arabia while earning returns that align with national priorities.
No delays or confusion, just full transparency.
Track performance, contract terms, and cash position—everything is accessible in real time.
All terms upfront before you invest.
Each opportunity shows the exact return, duration, fees, and borrower rating before you commit.
Built for Smarter Investment Decisions
Review opportunities, monitor performance, and deploy capital everything you need in one clear dashboard.
Features
Explore Opportunities by Risk & ROI
Browse pre-vetted financing deals with real-time insight into duration, risk score, and annual return.
Features
Explore Opportunities by Risk & ROI
Filter deals by ROI, duration, or borrower risk rating
See clear maturity dates and investment limits
Invest with one click, no back-and-forth required
%201.svg)
Features
Real-Time Portfolio & Earnings Dashboard
Track every investment across status, expected return, and total exposure in a single glance.
Features
Real-Time Portfolio & Earnings Dashboard
Monitor your active investments and total projected profit
Track maturity dates and portfolio diversification
View wallet balance and available capital instantly
Features
Detailed Investment Breakdown & Forecast
Each opportunity includes forecasted return, fees, VAT, repayment, and downloadable contract.
Features
Detailed Investment Breakdown & Forecast
Understand expected returns before committing
See net profit after fees and tax, all upfront
Download full contracts and terms for recordkeeping
Features
Wallet & Capital Deployment Control
Fund your wallet, allocate capital to deals, and manage liquidity, all in one place.
Features
Wallet & Capital Deployment Control
Add or withdraw funds with full visibility into available capital
Easily allocate specific amounts to different investment deals
Keep uninvested cash in your wallet for future opportunities
.png)
Ready To Get Started?
Sign up now to access your financing dashboard.
Create Account
Create Account
Start for Free
How To Apply
Start investing in real, short-term opportunities with full clarity and control. No paperwork, no lock-ins, just fixed returns on real receivables.
Step 01
Fund Your Wallet
Deposit funds into your Himma wallet via bank transfer. You'll see your available capital instantly.
Step 02
Browse Investment Opportunities
Review deals by ROI, risk score, and maturity. Choose investments that match your strategy.
Step 03
Invest with One Click
Confirm your amount and invest instantly. No contracts to negotiate, no back-and-forth.
Step 04
Track Earnings & Maturities
Monitor profits, contract status, and upcoming returns directly from your investor dashboard.
Ready To Get Started?
Sign up now to access your financing dashboard.
Create Account
Create Account
Start for Free
Frequently Asked Questions
What kind of investment opportunity does Himma offer?
Himma enables investors to fund short-duration invoice financing opportunities in regulated sectors with real-world yield and low equity correlation.
What’s the typical duration of financing deals?
Invoice tenures are short, usually based on payment terms between corporates and suppliers often between 30 to 90 days.
What types of investors can join Himma?
Both institutional and professional individual investors can participate, depending on local regulatory requirements and onboarding status.
How is risk managed on the platform?
Himma pre-vets corporates and uses invoice-level credit filtering to ensure only high-quality transactions are presented to investors.
How do returns compare to traditional fixed-income instruments?
Returns are typically higher than traditional fixed-income alternatives, especially given the short duration and real-economy asset backing.
Is this considered private credit?
Yes. Investing through Himma is a form of private credit, focused on funding receivables from vetted corporates in high-demand sectors.
What sectors are currently most active on Himma?
Sectors like healthcare, construction, retail, and logistics dominate due to their large invoice volumes and payment delays.
How are repayments collected?
Repayments are collected directly from the corporate buyer when the invoice is due. The supplier does not handle repayment.Sectors like healthcare, construction, retail, and logistics dominate due to their large invoice volumes and payment delays.
Can I select which invoices to invest in?
Yes. Investors can review available opportunities and choose invoices that meet their criteria based on risk, tenor, and expected return.Repayments are collected directly from the corporate buyer when the invoice is due. The supplier does not handle repayment.Sectors like healthcare, construction, retail, and logistics dominate due to their large invoice volumes and payment delays.
How do I apply to become an investor on Himma?
Submit your information through the investor application form. The team will follow up to validate your eligibility and walk you through onboarding.
Himma Financing
Company Under the Supervision and control of The Saudi Central Bank (SAMA). Under license No. XXXXX
The capital is 15M Saudi Riyals.
Commercial Registration No: 1010831460. Unified No: 7031147122. Tel. +966556630382
King Khaled Road, Hittin District, Riyadh, Kingdom of Saudi Arabia.
Company Under the Supervision and control of The Saudi Central Bank (SAMA). Under license No. XXXXX
The capital is 15M Saudi Riyals.
Commercial Registration No: 1010831460. Unified No: 7031147122. Tel. +966556630382
King Khaled Road, Hittin District, Riyadh, Kingdom of Saudi Arabia.
Ready To Get Started?
