For suppliers
Your approved invoice, cash today
Don't wait 60, 90 or 120 days to start the next order. Your buyer's approved invoice is the asset — you don't pledge property and you don't give up equity.
Supplier mode
From invoice to cash today
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 We do not publish a numeric range here until we can name its source.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 estimate
Cash today
Cash today: SAR 219,600
After the estimated fee, before VAT.
- Invoice value
- Invoice value: SAR 250,000
- Advance (90%)
- Advance (90%): SAR 225,000
- Estimated fee (1.2% × 2 months on the advance)
- Estimated fee (1.2% × 2 months on the advance): SAR 5,400
- Cash today
- Cash today: SAR 219,600
- Paid to you when your buyer settles (the retained balance)
- Paid to you when your buyer settles (the retained balance): SAR 25,000
- Days of cash flow released
- Days of cash flow released: 60 days
- Simple annualised cost
- Simple annualised cost: 14.6%
A simple annualised cost on the advanced amount, so you can compare it with your alternatives.
Settlement
Your buyer pays SAR 250,000 on day 60, as usual. Nothing changes for them.
Over a year
- Working capital freed per cycle
- Working capital freed per cycle: SAR 225,000
- Cycles per year
- Cycles per year: 6
- Working capital freed per year
- Working capital freed per year: SAR 1,350,000
- Estimated annual fees
- Estimated annual fees: SAR 32,400
For comparison
An overdraft of the same size needs collateral and an existing bank relationship, and its cost accrues on the drawn balance for as long as it is drawn — not per invoice.
Illustrative estimate using market ranges. Actual pricing depends on your buyer, the tenor and invoice quality.
Why
Three things change in your week
Faster cash
Instead of waiting out the full payment cycle, an approved invoice turns into cash you can put to work on the next order.
You keep your buyer relationship
With confidential receivables finance, collections stay with you and nothing changes for your buyer: same invoice, same date, same contact.
No property collateral
What matters is the invoice itself and your buyer's strength — not your property and not a stake in your company.
How
The platform as we're designing it
Fully digital
From registration to upload to tracking. No branch visit, no paper file.
Wathq auto-fill
Your CR number pulls company and signatory details, so you never retype what the registries already hold.
ZATCA e-invoices
The cryptographic stamp on a cleared invoice is checked automatically, which is also what stops the same invoice being submitted twice.
Funds to your own IBAN
Money arrives in your company's own bank account. No virtual account, no intermediary wallet.
Eligibility
Who we're designing for
Saudi CR
A registered company, trading B2B
12 months
of continuous trading
Approved invoices
from corporate or government buyers
Final thresholds announced at launch
Questions
Frequently asked questions
Will my buyer know?
Which invoices qualify?
How does repayment work?
Why connect my bank account?
Join the waitlist before launch
We reply within two working days. No commitment.