Wholesale & distribution
Stock is bought today. Collection lands in sixty days
Wholesale and distribution is a pure working-capital business. Every riyal sits either in stock or in receivables. Supply chain finance is designed to untie that knot without a property charge.
Do you recognise this?
- Your supplier wants money up front; your customer wants ninety days
- A good-price bulk lot appears and your cash is locked in the last shipment
- The season is close and the stock is not there
- Your invoices are approved at a large retail chain and you wait your turn in its payment run
- You dip into your personal account to cover this month's payroll
Why this sector uses supply chain finance
Buying before selling
The cash gap sits in the shape of the business, not in bad management. You pay the factory before the trader pays you.
Strong buyers
Your invoices are on retail chains and large companies. Buyer strength is the foundation this kind of financing is priced on.
No property collateral
The financing attaches to the approved invoice itself, not to a mortgage or a share of your company.
It grows with your sales
The more approved invoices you have, the more is available. An overdraft stays a fixed number even when your business doubles.
The steps
Three steps, invoice to cash
Submit the shipment invoice
A ZATCA-cleared e-invoice issued to a corporate customer, plus a valid commercial registration.
See the cost before you confirm
The advance, the fee and the tenor are all shown in full before you agree to anything.
Cash to your company's IBAN
When your customer pays on its usual date, the advance and fee settle 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
Order the bigger lot, open the new product line, and say yes to the opportunity before it goes elsewhere.
- Negotiate a better purchase price because you pay sooner
- Stop tying your expansion to one customer's collection date
For finance
Predictable cash flow, a cost known before you confirm, and a record you can audit invoice by invoice.
- Each invoice is its own decision, not an open-ended commitment
- It does not sit on your balance sheet as long-term debt
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 pricedWhat we are designing to fund
- Cleared e-invoices issued to corporate customers
- Shipments delivered and accepted by the customer
- Repeat customers with a known payment record
Who this page is for
- A company with a Saudi CR and B2B activity
- At least [TODO] months of continuous trading
- Invoices on corporate or government buyers, not 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.