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Fkah

Suppliers to large buyers

An approved invoice on a strong buyer, and a long wait

This is the clearest case in supply chain finance: goods delivered, invoice accepted, and a buyer whose payment record is known. The only gap is time.

Do you recognise this?

  • The invoice is approved and the payment date is ninety days out
  • The buyer extends its terms and you are the one financing them
  • You hesitate to chase, because the next purchase order matters more
  • A new supply order is on the table and your capital is still in the last one
  • The bank asks for collateral you do not have, while you hold an invoice on an excellent company

Why this sector uses supply chain finance

  • Your buyer's strength works for you

    Assessment looks at the buyer's ability to pay before it looks at the size of your company. Being small matters less here.

  • An approved invoice is a lower-risk invoice

    Approval means the goods or service were accepted, and a dispute becomes a distant possibility. That shows up in the cost.

  • You keep your relationship

    The confidential route leaves collections in your name, so nothing changes in your day-to-day dealings with your customer.

  • No property collateral

    The invoice itself is the centre of the financing. We do not ask for a charge over an asset or a share of your company.

The steps

Three steps, invoice to cash

  1. Submit the approved invoice

    We verify the cryptographic stamp and the ZATCA hash chain, and register the invoice so it cannot be submitted twice.

  2. See the cost before you confirm

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

  3. Settlement on the day your buyer pays

    Your buyer pays on its usual date, the advance and fee settle from that payment, and the balance comes to you.

Founders want speed. Finance wants control

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

For the founder

Accept the larger supply order without counting the days left on the previous collection.

  • Build a deeper relationship with a big buyer instead of capping it at your cash
  • Bid for tenders you avoided because the payment cycle was long

For finance

Turn a long receivable into cash on a date you choose rather than one chosen for you.

  • Sharper monthly cash forecasting
  • A visible, auditable cost on every 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 invoices issued to large corporates or semi-government entities
  • Goods or services delivered and accepted
  • Repeat supply relationships with the same buyer

Who this page is for

  • A company with a Saudi CR and B2B activity
  • At least [TODO] months of continuous trading
  • 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.

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Questions this sector asks

What's the difference between receivables finance and supplier finance?
In receivables finance you submit your invoices and receive the cash. In supplier finance, a large buyer sets up a programme through which its suppliers can be paid early against the buyer's credit strength, usually at a lower cost.
How do you prevent the same invoice being financed twice?
Every cleared e-invoice carries a cryptographic stamp and hash chain from ZATCA. We verify the stamp and register the invoice before any financing, so it cannot be submitted again.
What determines my rate?
Your buyer's strength, the payment tenor, the invoice size, and your history with us. Use more, settle on time, and your position improves.
All FAQs

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