Things You Need To Know As a borrower
1
Finance up to SAR 7.5 Million
Get financing of up to SAR 7.5 million, with flexible terms ranging from 3 months to 2 years.
2
Flexible Financing Solutions
We cover all types of finance requests, including renovation projects, business expansion, equipment purchases, inventory growth, and invoice financing. In short, both working capital and capital expenditure needs are covered.
3
Eligibility Criteria
To get approved, your company must meet the following criteria:
Hold a valid Saudi commercial registration and be actively operating in Saudi Arabia.
Have at least two years of audited financial statements
Demonstrate consistent profitability
Show sufficient repayment capacity for the requested funding.
All applications undergo a thorough credit evaluation by our assessment team.
4
Evaluation and Selection
Each financing request undergoes a comprehensive risk assessment conducted by a specialized credit team.and, when needed, on-site due diligence.
We evaluate requests based on a blend of quantitative and qualitative factors, including revenue growth, profitability, financial health, operational efficiency, and industry dynamics, etc.
Every request is assigned a tailored risk rating, based on a combination of financial and non-financial indicators.
The risk summary shown on the platform reflects the key factors considered during the assessment. It’s designed to provide a clear and straightforward overview of the business’s risk profile to support investor decision-making Learn more
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You can typically expect the approval decision within three business days. Once approved and financed by investors, the capital is usually disbursed shortly after.
5
Review & Approval timeline
Once you submit your finance request application and provide the required information, our team will review it and respond with a decision within 3 business days, enabling your request to be listed for investor funding.
6
List your finance request
Once your request is approved, it will be listed on the platform so investors can view and fund it.
Each request includes clear, relevant details to help investors evaluate it and decide if it’s the right fit for them. These details typically include:
A brief overview of the business
The purpose of the funding
The funding term
Key financial metrics and related data
We’re committed to sharing transparent, easy-to-understand information—while fully safeguarding the confidentiality of your company’s data.
7
Time to finance
Once your request is approved, it will be listed on our platform for up to 30 days. As soon as it's fully funded, the amount (minus fees) will be transferred to you within 24 hours, and no later than 3 business days.
8
Our fees
Fees depend on the type of financing, as follows:
Arrangement Fee:
Ranges from 2% to 5% of the total financing amount, depending on the risk rating, financing term, and amount.