How investing
works on Beehive

Grow your portfolio and support thriving SMEs across the GCC.

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Power SMEs,
grow potential returns

Invest in SMEs while growing your capital. Beehive gives you control over
how your funds are allocated, balancing opportunity with risk.

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Shape your investment strategy

Beehive offers investors three simple levers that guide your investments.
To get started, set your preferences that controls to define and refine your strategy to allocate your funds.
Think of it like building your own tailor-made portfolio, using three simple drivers.

Product split

What you decide

How much of your funds go into Term Finance vs Working Capital Finance.
Example splits: include 70:30, 50:50, 30:70.

Why it matters

Different product types have different durations, risk profiles and cash flow behaviour. Choosing a mix helps balance risk liquidity and returns.

Business exposure limit

What you decide

What percentage of your total portfolio you’re willing to allocate to a single SME. Choose from 2%, 3% and 4%. There’s a cap per SME (for example, maximum 360,000) and minimum bid sizes (e.g. 500).

Why it matters

Prevents over-concentration in any single business and helps your diversify.

Risk rating filter

What you decide

Which risk-grades you want to include in your portfolio. Choose from A+/A, B+/B, C, D.

Why it matters

Higher risk can bring higher return (if things go well), but also more potential downside. You choose how much risk you’re comfortable with.

Our risk assessment process

At Beehive, every SME undergoes a comprehensive credit and risk assessment before it’s listed.
This ensures investors can make informed decisions and benefit from a high-quality pipeline of opportunities.

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How we assess SMEs

SME application

Businesses submit financial documents, bank statements, and ownership details.

Data verification

Internal data collection, AI-powered credit screening and external bureau & criminal checks.

Risk rating

Each SME is assigned a rating from A+ (lowest risk) to D (highest risk).

Ongoing monitoring

Regular updates, site visits, and profile validation ensure continued compliance.

Return & rates

Rates depend on product type and risk rating. Example:
Term Finance by duration and risk, Working Capital Finance for short-term liquidity.

Term Finance

Rating

12 months

24 months

36 months

A+

9.50%

11.00%

12.00%

A

12.50%

13.50%

14.50%

B+

13.25%

14.25%

15.80%

B

14.00%

15.00%

16.50%

C

15.00%

16.50%

18.00%

C-

17.00%

18.00%

N/A

D

19.50%

21.50%

N/A

Working Capital Finance

Rating

60 days

90 days

A+

0.72%

0.80%

A

0.80%

0.88%

B+

0.84%

0.92%

B

0.88%

0.96%

C

1.00%

1.12%

C-

1.12%

1.36%

Learn more

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Sharia-compliant investments at Beehive

Beehive operates an Islamic Window and is regulated by the Dubai Financial Services Authority under license number F004422.

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Frequently asked
questions

‍How does Beehive work?
Do you accept investors residing outside the UAE?
What fees do you charge?
How is the monthly profit calculated?
Who will run the investment strategy?
How can you be reclassified as a professional investor?
Minimum account opening amount and bid limits on Beehive?

*The average return rate is based on historical performance and is not a guarantee of future results. Your capital is at risk, and the value of your investment may go up as well as down.

Average returns since inception (excluding the Covid-19 period)​.