DIFC REGULATEDINSTITUTIONAL GRADEDUBAI

The UAE's Private Lending Platform. Where Capital Meets Confidence.

Businesses need funding. Investors need yield. We connect both — through invoice financing and structured loans, regulated by the DFSA within the DIFC.
$1.2T
Global Private Credit 2028
8.7%
Market CAGR 2023–2028
DFSA
Regulated · DIFC
$1.2T
Global Private Credit 2028
8.7%
Market CAGR 2023–2028
DFSA
Regulated · DIFC
$1.2T
Global Private Credit 2028
8.7%
Market CAGR 2023–2028
DFSA
Regulated · DIFC
$1.2T
Global Private Credit 2028
8.7%
Market CAGR 2023–2028
DFSA
Regulated · DIFC
$1.2T
Global Private Credit 2028
8.7%
Market CAGR 2023–2028
DFSA
Regulated · DIFC
$1.2T
Global Private Credit 2028
8.7%
Market CAGR 2023–2028
DFSA
Regulated · DIFC
$1.2T
Global Private Credit 2028
8.7%
Market CAGR 2023–2028
DFSA
Regulated · DIFC
$1.2T
Global Private Credit 2028
8.7%
Market CAGR 2023–2028
DFSA
Regulated · DIFC
FOR INVESTORS

Two ways to invest. One rigorous platform.

Lendara offers two distinct private market products, each with clearly defined structures, risk profiles, and return expectations.
Invoice Purchasing
Product 1
Lendara acquires trade receivables from vetted businesses at a structured discount — giving investors access to short-duration, asset-backed returns tied to real commercial activity.
30–180 Days
  • Purchase of validated trade invoices at agreed discount rates
  • Tenors typically 30–180 days, aligned to payment cycles
  • Underlying assets are real receivables from operating businesses
  • Priority claim on invoice proceeds — no unsecured exposure
  • Suitable for investors seeking short-cycle, high-turnover yield
  • Shariah-compliant structure available
Plain Vanilla Loans
Product 2
Senior secured lending to creditworthy SMEs and mid-market businesses, structured with clearly defined repayment schedules, collateral packages, and fixed investor returns.
6–36 Months
  • Fixed-rate senior secured loans to pre-screened borrowers
  • Tenors typically 6–36 months with scheduled repayments
  • Collateral may include real estate, receivables, or business assets
  • Independent credit assessment prior to listing on platform
  • Monthly or quarterly income distributions to investors
  • Conventional and Shariah-compliant structures available
Invoice Purchasing
Plain Vanilla Loans
Asset-backed Structures
Senior Secured Lending
Short-Duration Yield
Shariah-compliant Structures
Invoice Purchasing
Plain Vanilla Loans
Asset-backed Structures
Senior Secured Lending
Short-Duration Yield
Shariah-compliant Structures
Invoice Purchasing
Plain Vanilla Loans
Asset-backed Structures
Senior Secured Lending
Short-Duration Yield
Shariah-compliant Structures
Invoice Purchasing
Plain Vanilla Loans
Asset-backed Structures
Senior Secured Lending
Short-Duration Yield
Shariah-compliant Structures
For Businesses

Need capital? You're in the right place.

Whether you have outstanding invoices or need a business loan, Lendara provides fast, transparent access to funding — backed by institutional-grade structuring and DFSA oversight.

Turn unpaid invoices into immediate cash.

You've done the work. You've issued the invoice. But you're waiting 60, 90, even 120 days for payment — while your business needs cash today.
30–180 Day invoice tenors
Funding aligned to commercial payment cycles.
Fast funding after approval
Liquidity transferred shortly after verification and signing.
No long-term commitment
Access working capital without dilution or long-term debt.
Who can apply?
UAE-registered business with 12+ months of trading history
Invoices issued to creditworthy corporate counterparties
Invoice value of AED 100,000 or above
Clear ownership and documentation of the receivable
No existing legal or financial disputes on the invoice
01
Submit Your Invoice
Complete a short online form and upload your invoice, supporting contract or purchase order, and company documents. Our team reviews your submission within 48 hours.
02
Counterparty Verification
Lendara's credit team verifies the invoice, validates the counterparty, and assesses collection risk.
03
Receive a Funding Offer
We present a clear, fixed offer with purchase price, fee structure, and payment timeline.
04
Sign & Get Funded
Accept digitally, sign the assignment agreement, and receive funds directly to your account.
ABOUT LENDARA

A structured capital platform connecting investors with private market opportunities.

Lendara sits at the intersection of capital and opportunity.

We provide institutional-grade access to private markets through a technology-driven platform built on transparency, rigor, and alignment of interests. Where traditional finance is opaque, slow, and intermediary-heavy, Lendara strips away the complexity. We curate, structure, and present investment opportunities with the discipline that sophisticated investors expect — and deserve. Operating from the Dubai International Financial Centre (DIFC) under DFSA oversight, we serve investors and originators across private credit, structured trade finance, and business lending in the UAE and GCC.

Our Foundation

The principles we never compromise.

    Trust
    Every deal, disclosure, and decision is held to the same standard: would our investors bet on this with full information? If not, it doesn't belong on Lendara.
    Discipline
    We apply rigorous credit and legal underwriting to each opportunity. Quantity never overrides quality. Our pipeline is selective by design.
    Precision
    Structures are clean, documentation is exact, reporting is clear. Investors receive the information they need — no more, no less.
LEADERSHIP

People who have done this before.

Decades of real-world experience in structured finance, banking, and corporate law across Europe and the Middle East.
    Maksim Lisitski
    Maksim Lisitski
    Founder & CEO

    Over two decades in structured finance and banking. As CEO of Raiffeisen Leasing Belarus (2013–2023), managed a portfolio exceeding EUR 200 million, led cooperation with EBRD, EIB, and IFC, and ranked RLBY in the Top-4 profit generators within Raiffeisen Leasing International.

    Completed an elite program at Raiffeisen Bank International, Vienna across Investment Banking, Treasury, and Financial Institutions. Previously CFO at Ardee Developments, Dubai, structuring Fairmont Hotels brand agreements.

    MBA in Banking — Vienna University of Economics and Business (WU).

    Structured FinanceEUR 200M+ AUMIFI RelationsMBA · WU Vienna
    Radion Malchadski
    Radion Malchadski
    FinTech Executive · Enterprise Systems Architect · Corporate Governance & Board Advisor

    Israeli technology executive with 25+ years of experience leading enterprise architecture, digital transformation, and technology governance for Israel's largest banking and insurance institutions. Founder & Managing Director of Radi Tech, advising executive leadership on mission-critical modernization programs, IT risk governance, cybersecurity, and enterprise AI adoption.

    Served as Principal Enterprise Architect and Executive Consultant for Bank Hapoalim, Bank Leumi, Menora Mivtachim Insurance Group, and other leading financial organizations. Recognized for delivering secure, high-performance enterprise platforms while ensuring regulatory compliance, operational resilience, and long-term technology strategy.

    M.Sc. Applied Mathematics. IBM Certified Professional. Certified in Cybersecurity, MongoDB DBA, Kubernetes & Google Cloud Platform.

    Corporate GovernanceEnterprise ArchitectureFinTech & AICybersecurityIT Risk ManagementCloud & Distributed Systems
    Paweł Jasiński
    Paweł Jasiński
    Supervisory Board · Corporate Law & Governance

    Polish attorney with 25+ years in corporate law, financial regulation, and governance. Senior Legal Counsel at PKN ORLEN S.A. (Poland's largest energy group) and Unipetrol a.s., Prague. Supervisory Board member at Everest TFI S.A. and Origin TFI S.A. (investment fund companies).

    Lecturer in corporate law at Kozminski University (Central Europe's top business school) and the Polish Academy of Sciences. Board member, AI Law Tech Foundation.

    LLM with distinction — University of Warsaw. MBA — Imperial College London.

    Corporate GovernanceInvestment Fund LawAI & Tech RegulationMBA · Imperial College
REGULATORY FRAMEWORK

The region's most rigorous financial centre.

Lendara operates within the Dubai International Financial Centre (DIFC), regulated by the Dubai Financial Services Authority (DFSA) — the GCC's most internationally recognised financial regulator, equivalent in standing to the FCA (UK) and SEC (US).

The DFSA crowdfunding framework — the first of its kind in the GCC — was specifically designed to license, organise, and protect all parties in private market transactions. Our authorisation means investor protections, AML controls, and governance are held to the same standards required of banks.

Our supervisory board members are admitted to practice before the ADGM Courts, SCA, and DIFC, providing integrated legal oversight that is structurally rare among regional platforms.

DFSA — Dubai Financial Services Authority · DIFC
THE PROCESS

Simple for investors. Rigorous underneath.

Two clear pathways — whether you are deploying capital or seeking funding.

I want to Invest

Access curated private credit opportunities through a streamlined onboarding and investment process.
01
Apply
Register on the platform and complete our KYC and investor suitability process. Onboarding takes 24–48 hours for qualified investors.
02
Get Approved
Our team reviews your profile and unlocks access to our curated deal pipeline — invoice purchasing opportunities and structured loans with full documentation.
03
Invest & Earn
Select opportunities, commit digitally, and receive scheduled distributions. Monitor your portfolio in real time with full reporting transparency.
WHY LENDARA

What sets us apart.

    Institutional-Grade, Individual-Accessible
    We apply the same credit frameworks and legal controls used by institutional asset managers — but make them available to a broader class of qualified investors. No shortcuts, no compromise.
    DIFC Regulated. Fully Compliant.
    Operating under DFSA authorisation within the Dubai International Financial Centre — the GCC's most internationally recognised financial hub — Lendara meets the highest regional regulatory standards.
    Curated, Not Aggregated
    We do not list every deal that applies. Each opportunity passes independent credit assessment, legal review, and risk committee approval before being shown to investors. Quality over quantity — always.
    Real Leadership. Real Experience.
    Lendara's leadership brings decades of hands-on experience in structured finance, banking, and corporate law across Europe and the Middle East. We have sat on the other side of every deal we supervise.
For Brokers & Intermediaries

Grow your business. We handle the rest.

Lendara is building a network of trusted brokers and financial intermediaries across the UAE and GCC. If you work with businesses that need financing — or investors looking for yield — we want to work with you. Refer a client, we do the underwriting, structuring, and compliance. You earn a structured referral fee on every successful transaction — with full transparency on deal status and your pipeline.
01 Refer
Introduce a Client
Connect businesses seeking invoice financing or loans, or investors seeking private market returns. A simple introduction is all it takes.
02 We Deliver
Lendara Does the Work
Our team handles all due diligence, structuring, documentation, and regulatory compliance. You stay informed — without the operational burden.
03 You Earn
Transparent Referral Fees
Earn a structured, transparent fee on every completed transaction. Track your referrals and earnings through your dedicated broker dashboard.
For Investors

Private market returns. Institutional-grade structure.

Access UAE private credit — invoice financing and secured loans — through a DFSA-regulated platform built for serious investors. Minimum entry. Maximum transparency.
30–180
Day invoice tenors
6–36
Month loan tenors
Senior
Secured position
Asset-backed
Security type
Choose Your Product

Two ways to deploy capital.

Short-tenor, asset-backed yield from real trade receivables.

Lendara purchases validated trade invoices from vetted UAE businesses at a structured discount. As an investor, you fund those purchases and earn the discount spread — secured against actual receivables with a priority claim on proceeds.
30–180 Day invoice tenors
Funding aligned to commercial payment cycles.
Fast funding after approval
Liquidity transferred shortly after verification and signing.
No long-term commitment
Access working capital without dilution or long-term debt.
Investor eligibility
Professional Client or Qualified Investor as defined by DFSA
Completed KYC and investor suitability assessment
Minimum investment per transaction: AED 50,000
UAE or international investors — both welcome
Shariah-compliant investors accommodated where applicable
What you get
Purchase of validated trade invoices at agreed discount rates
Short investment cycles — capital recycled every 30–180 days
Priority claim on invoice proceeds — no unsecured exposure
Full documentation: invoice, contract, counterparty credit profile
Shariah-compliant structure available on eligible transactions
Risk profile
Short tenor reduces duration risk — capital not locked long term
Asset-backed by real receivables from operating businesses
Counterparty verification conducted by Lendara credit team
Concentration risk managed across diversified invoice pool
YOUR JOURNEY

From registration to returns.

01
Register
Complete our online registration. Submit your identity documents and investor profile. We respond within 24–48 hours. Passport · Proof of address · Source of funds
02
Get Approved
Our compliance team completes KYC and the DFSA-required suitability assessment. Once approved, your account is activated. DFSA-compliant · Fully confidential · 24–48h
03
Browse Opportunities
Access our curated deal pipeline — invoices and loans with full documentation, risk summaries, and return profiles. Select what fits your mandate. Full deal docs · Credit pack · Term sheet
04
Invest & Earn
Commit digitally, transfer funds, and receive scheduled distributions. Monitor your portfolio with full transparency and dedicated support. Digital signing · Scheduled distributions · Dashboard
CLIENT RESULTS

What investors say about the platform.

The platform delivers a much more disciplined approach to private credit compared to traditional retail P2P marketplaces.

Michael R.
Family Office Investor

What stood out immediately was the quality of underwriting and the clarity of borrower reporting.

Daniel K.
Private Investor

The UAE-focused borrower selection creates a level of transparency that is difficult to find elsewhere.

Sarah M.
Investment Advisor

The investment process feels structured, professional and aligned with institutional standards.

James T.
Entrepreneur

A strong alternative exposure for investors seeking curated private credit opportunities.

Robert L.
HNWI Investor

The borrower analysis removes a significant amount of operational friction from deal selection.

Emily W.
Private Capital Investor

Reporting quality and ongoing monitoring were key reasons we decided to allocate capital.

Natalie S.
Wealth Management Partner

The platform feels closer to a private credit desk than a traditional crowdfunding marketplace.

Alex P.
Professional Investor
FAQS

Answers to common questions.

CONTACT

Speak with our investment team.

Whether you represent a family office, private investment vehicle or manage personal capital, our team can help you explore curated private credit opportunities focused on UAE businesses.
Email UsSchedule a Call

The platform is intended for qualified and sophisticated investors.

Lendara • Private Credit Infrastructure © 2026