ULend vs SahmX
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ULend
This platform connects investors with vetted small and medium-sized enterprise financing opportunities in Saudi Arabia. It offers a secure, Shariah-compliant digital environment for short-term private credit investments with real-time performance tracking.
- SAMA-regulated platform
- Short-term investment opportunities (3-12 months)
- Competitive annual returns
- Real-time portfolio tracking
- Transparent fee structure
- Shariah-Compliant environment
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ULend is Saudi Arabia’s debt crowdfunding platform, licensed and regulated by the Saudi Central Bank (SAMA). We connect investors with carefully vetted SME financing opportunities through a secure, Shariah-Compliant, and fully compliant digital environment. Whether you're new to alternative investments or an experienced investor, ULend provides access to a curated marketplace of short-term private credit opportunities. Diversify your portfolio, define your investment preferences, and monitor performance in real time through an intuitive digital experience. Each opportunity undergoes a structured credit evaluation process using verified financial data sources and recognized credit bureaus to support informed decision-making. Key Features: • SAMA-regulated platform with strong governance and compliance standards • Short-term investment opportunities (3–12 months) • Competitive annual returns (not guaranteed) • Real-time portfolio tracking and performance insights • Transparent fee structure with clear disclosure Why ULend? As Saudi Arabia’s fintech ecosystem continues to evolve, ULend expands access to regulated alternative investments. Our technology-driven platform is designed to provide transparency, efficiency, and investor control — all within a trusted regulatory framework. Download ULend and explore regulated private credit opportunities in Saudi Arabia.
SahmX
Invest in real estate by owning digital tokens representing fractional shares. Browse available property opportunities and track your investments in one secure, encrypted platform.
- Own fractional real estate shares
- Browse property investment opportunities
- Track your investments
- Secure and encrypted platform
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منصة سهم إكس للترميز العقاري تتيح لك تملّك حصص في العقارات عبر الترميز الرقمي. المميزات: تملّك حصص عقارية بشكل جزئي استعراض الفرص العقارية المتاحة متابعة استثماراتك في مكان واحد منصة آمنة ومشفّرة
Screenshots
Verdict
The clearest difference is iOS requirement: ULend at 13.0 against SahmX's 15.0. On price, rating, ratings volume and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for ULend against 5.0 for SahmX. Both are backed by a comparable volume of ratings — 2 and 1 respectively.
| Parameter | ULend | SahmX |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) | 5.0 (1 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 2 — better | 1 |
| Update frequency | Every 3 weeks | — |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 48 MB | 2 MB |
| Age rating | 17+ | 4+ |
| Developer | Nayifat Finance Company | SAHM X COMPANY |
Customer experience
ULend
SahmX
In-app purchases
ULend
No in-app purchases
SahmX
No in-app purchases







