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Fkah

Fkah unties the knot

Supply chain finance

You delivered. Your money shouldn't still be waiting.

Your approved invoice becomes cash today and settles the day your customer pays. No property collateral. No equity given away.

Up to 90% of your invoice value, financed.

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90%

Up to 90% of your invoice value, financed

Upload the approved invoice and receive up to 90% of its value in your company IBAN. The balance follows when your customer settles.

FINANCED WITH FKAH

The idea

Your money exists. It just isn't yours yet.

Before Fkah

With Fkah

You pay your supplier today and get paid in 60 or 90 days. The gap between those two dates is your working capital, and it widens as you grow.

  • Before Fkah

    You pay today and collect in 90 days

    With Fkah

    Your approved invoice is cash the same day

  • Before Fkah

    You turn down a large order because cash is tight

    With Fkah

    You take the order and grow into it

  • Before Fkah

    You chase collection yourself

    With Fkah

    Collection runs as it always did — nothing changes for your customer

How it works

How Fkah works

Three fully digital steps, all built on data the official registries already hold.

  1. Register and verify

    Enter your CR number and your company details fill in automatically from Wathq. We verify the authorised signatory in the same session.

  2. Upload an approved invoice

    Your ZATCA-cleared e-invoice carries a cryptographic stamp. We verify it in seconds.

  3. Cash arrives, settlement comes from your customer's payment

    Funds land in your company IBAN and settle from your customer's payment on its usual date. No new collection process, no intermediary account.

Timing

From document to cash

Documents

[TODO]

Decision

[TODO]

Transfer

[TODO]

Who we fund

Built for companies that buy before they sell

Six sectors with the same knot: stock, labour or materials paid up front, and payment that lands months later.

See all

Both sides of the table

The founder wants speed. Finance wants control.

For the founder

Order bigger, expand faster, and say yes to the deal before it goes elsewhere.

For finance

Predictable cash flow, a known cost before you confirm, and reporting you can plan against.

Eligibility

Do you qualify?

  • Saudi-registered business

  • B2B business model

  • 12+ months in operation

  • Approved invoices from corporate or government buyers

Full criteria are set out in the product terms

Foundations

We build the foundation before we make the promise

  • Customer data hosted inside the Kingdom
  • A published privacy notice covering what we collect and where it is held today
  • We verify invoices cleared by ZATCA

Get started

Tell us about your business and we'll get in touch

Send your details and we'll be in touch within two business days. No commitment, and you can opt out whenever you want.

This is an interest form. Starting an actual application means verifying your company and connecting your invoices, and we will walk you through that after we speak.

Ten digits. It helps us prepare Wathq verification later.

We send updates to this address.

05XXXXXXXX or +9665XXXXXXXX

A rough band is enough.

We use your details for that purpose only. We do not sell them or share them with advertisers. Stop the messages whenever you like: an unsubscribe link is in every message, or write to us. Withdrawing consent does not affect what came before it.

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Questions

Frequently asked questions

What is Fkah?
Fkah is a supply chain finance platform in Saudi Arabia. The idea is simple: an approved invoice that would wait 60 or 90 days becomes cash today, and it settles when your customer pays. Fkah is licensed by the Saudi Central Bank, licence no. [xxx].
What's the difference between receivables finance and supplier finance?
In receivables finance you, the supplier, submit your invoices and receive the cash. In supplier finance, an anchor buyer sets up a programme through which its suppliers can be paid early against the buyer's credit strength — usually at a lower cost.
Is this a loan?
No. You are assigning a receivable you are owed, or being paid early against an approved invoice. No property collateral, no equity given away.

All questions