For anchor buyers
Extend your payment terms. Your suppliers get paid faster
A supplier-finance programme that improves your working capital and strengthens your supply chain — without your suppliers paying more than their alternatives.
Impact
The working-capital case
The programme moves three measures your finance team already reports. The table sets out the mechanism and how each one is measured; the numbers come from your spend and your terms.
| Measure | What changes | How it is measured |
|---|---|---|
| Days payable outstanding (DPO) | Extends because terms are lengthened by agreement with the supplier, not by paying them late | Average actual days to pay on eligible spend, before and after the programme |
| Cash released | Rises by the additional days applied across eligible spend | Annual eligible spend, spread across the days of the year, multiplied by the additional days |
| EBITDA effect | Improves when a supplier chooses an early-payment discount instead of waiting for the due date | Discounts captured in the period, less the cost of running the programme |
Fkah publishes no ranges or limits of its own before licensing. The estimator below runs on your figures.
Estimator
Run it on your own numbers
Enter eligible spend and your current and target payment terms to see the cash released.
Anchor mode
Cash a supplier-finance programme releases
Published Saudi SME working-capital rates vary widely from one provider to another, and with the tenor, the invoice size and the buyer's strength. We do not publish a numeric range here until we can name its source. The figures in this estimator are the ones you set, and they are not Fkah rates.
Source: [TODO] — the numeric range is published once a citable source exists
Your programme estimate
Cash released
Cash released: SAR 8,876,712
A one-off release from holding cash longer.
- Annual value at your cost of capital
- Annual value at your cost of capital: SAR 621,370
- Enrolled spend
- Enrolled spend: SAR 72,000,000
- Extra payment days
- Extra payment days: 45 days
- Cost your suppliers bear across enrolled spend
- Cost your suppliers bear across enrolled spend: SAR 1,944,000
Suppliers who opt in are paid in about two days at 0.9% per month, priced against your credit strength rather than their own.
Illustrative estimate using market ranges. Actual pricing depends on your buyer, the tenor and invoice quality.
Platform
The programme dashboard
The dashboard shows enrolled suppliers, approved invoices, early payments requested and made, and settlement on the original due dates.
The interactive tour of the dashboard is built from the real product interface and is not ready yet. We will not put a mocked-up screenshot in its place.
Implementation
From agreement to first early payment
We target 4 to 8 weeks, depending on how many suppliers are in scope and how ready their data is.
Onboarding kit
Agree eligible spend, current and target payment terms, and the shortlist of suppliers.
Supplier enrolment
Direct invitations, verification through Wathq, and bank details captured once.
First early payments
A pilot across a limited set of invoices before scaling to the full spend.
Suppliers
The supplier-onboarding kit
Enrolment is what makes or breaks a programme. We prepare the material co-branded, in Arabic and English.
- An introduction letter carrying your brand and ours
- An illustrated step-by-step guide for suppliers, in Arabic and English
- A direct question channel for your accounts payable team and your suppliers
It starts with a short call
Fifteen minutes on your spend and current terms is enough to tell whether the programme makes sense for you.