Skip to content
Fkah

Professional services & IT

Payroll every month, and a client who pays every ninety days

In services the biggest cost is people. The team is paid on a fixed date; the client pays on its own cycle. A successful project can still choke your cash.

Do you recognise this?

  • The purchase order is issued and payment comes ninety days after delivery
  • You grew the team for a project and the first payment has not arrived
  • Software and cloud licences are paid annually, in advance
  • A milestone was delivered and accepted, and the invoice is stuck in an approval cycle
  • You decline a large project because its cash cycle is longer than you can carry

Why this sector uses supply chain finance

  • Your cost precedes your revenue

    Salaries and subscriptions are paid during delivery; the invoice is issued after delivery or at the milestone.

  • Excellent customers

    You usually invoice large companies or government entities, which is exactly the buyer profile this financing is built on.

  • Nothing to pledge

    A services firm holds no stock and no heavy plant, so collateral-based lending is a closed road.

  • Growth without dilution

    Working-capital financing attached to an invoice does not require selling a share of your company.

The steps

Three steps, invoice to cash

  1. Submit the milestone invoice

    A cleared e-invoice against work delivered and accepted, with the purchase order or contract.

  2. See the cost before you confirm

    The advance, the fee and the tenor are all shown in full before you agree.

  3. Cover payroll on time

    Cash lands on your company's IBAN, and settlement comes from the client's payment when it arrives.

Founders want speed. Finance wants control

Fkah is being designed to give both, without one paying for the other.

For the founder

Hire for the next project before it starts, instead of tying the hiring decision to an invoice approval date.

  • Keep good people rather than losing them between projects
  • Pursue larger projects with confidence in your cash cycle

For finance

Turn long receivables into cash on a known date, and keep the cost with the project that produced it.

  • Project margin calculated after financing cost, before you commit
  • Auditable reporting, invoice by invoice

The details

The details, without the gloss

How the cost is worked out

Priced per invoice, with no sign-up fee and no monthly fee, and nothing to pay unless you use it. Four things move the price: your customer's strength, the payment term, the invoice size, and your history with us. The full cost is shown before you confirm.

Read how supply chain finance is priced

What we are designing to fund

  • Approved milestone invoices against delivered work
  • Recurring service contracts with corporate clients
  • Purchase orders from government entities or large corporates

Who this page is for

  • A company with a Saudi CR and B2B service activity
  • At least [TODO] months of continuous trading
  • Approved invoices not already financed elsewhere

Waitlist

Register your interest now

Registering commits you to nothing and creates no financing relationship. We reply as soon as real onboarding opens.

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.

Security check

Questions this sector asks

What documents do I need?
Your CR number, which auto-fills through Wathq, the authorised signatory's ID, [TODO] months of bank statements or an open-banking connection, and your e-invoices.
Why connect my bank account?
Read-only transaction history, for faster and fairer assessment and to confirm the IBAN belongs to your company. The connection runs through a licensed open-banking provider and gives us no control over your account.
Can new companies apply?
We are designing for companies with at least [TODO] months of trading and approved invoices from corporate or government buyers.
All FAQs

Other sectors