Tools
See your cash today
Move the numbers and see what reaches you today against an approved invoice.
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 We do not publish a numeric range here until we can name its source.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.
What this estimate includes
- A monthly rate on the advanced amount, not on the full invoice value.
- An advance rate, and the retained balance that reaches you on collection.
- The effect of your buyer terms on both cost and cycles per year.
- The effective annualised cost, so you can compare it with your alternatives.
What it does not include
- VAT.
- Any set-up or verification fee a provider may charge.
- A credit decision on you or on your buyer.
- Fkah pricing — it will be published at launch.
Supply chain finance pricing moves on four things: your buyer strength, the payment tenor, invoice size, and your history with the provider.
Questions about cost
What does it cost?
A monthly rate on the advanced amount, shown in full before you confirm. Saudi market rates vary widely from one provider to another, and we do not publish a numeric range until we can name its source. Fkah pricing will be published at launch.
Are there sign-up or monthly fees?
No. Registering and having a limit costs nothing. You pay only when you use it.
What determines my rate?
Your buyer strength, the payment tenor, invoice size, and your history with us. Use more, settle on time, and your rate improves.
How does repayment work?
Your buyer pays the invoice on its usual date. From that payment the advance and the fee are settled, and the balance is transferred to you.
Illustrative estimate using market ranges. Actual pricing depends on your buyer, the tenor and invoice quality.