Inventory Finance for Saudi SMEs

Pay suppliers today and keep your cash for growth

FinancePay pays your suppliers directly, then you repay over time from your sales. A Sharia compliant inventory finance partner built for Saudi SMEs that need speed, trust and clear terms.
Get funded
See how it works

Set up in minutes. Funding decisions in as little as twenty four hours.
No collateral - No interest - No paperwork stack.

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Growth should not be held back by stock that is not yet on the shelf

Suppliers want payment upfront while your cash sits in stock that has not yet reached the shelf. FinancePay fills that gap so you can place larger orders, move faster and keep working capital focused on growth.

Order more stock without draining cash

Use FinancePay to pay suppliers today and repay over time. Increase order sizes without putting pressure on payroll, rent or marketing.

Bring stock to shelf faster and turn it into cash sooner

FinancePay lets you confirm inventory and shipping earlier, so products reach stores faster and start selling sooner. Less waiting, more selling.

Handle seasonal peaks and prepayments with confidence

Use FinancePay to pay suppliers today and repay over time. Increase order sizes without putting pressure on payroll, rent or marketing.

Protect your equity and bank credit for strategic moves

Fund inventory through FinancePay instead of giving up more equity or using up bank facilities. Keep your balance sheet ready for acquisitions, expansion and new locations.

Order more stock without draining cash

Use FinancePay to pay suppliers today and repay over time. Increase order sizes without putting pressure on payroll, rent or marketing.

Bring stock to shelf faster and turn it into cash sooner

FinancePay lets you confirm inventory and shipping earlier, so products reach stores faster and start selling sooner. Less waiting, more selling.

Handle seasonal peaks and prepayments with confidence

Use FinancePay to pay suppliers today and repay over time. Increase order sizes without putting pressure on payroll, rent or marketing.

Protect your equity and bank credit for strategic moves

Fund inventory through FinancePay instead of giving up more equity or using up bank facilities. Keep your balance sheet ready for acquisitions, expansion and new locations.

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Break free of the cash flow squeeze that keeps growing businesses on a tightrope

With FinancePay you stop locking capital into stock that is months or miles away, and keep your money working for you.

Before FinancePay
After FinancePay
Your cash is locked in unpaid invoices and inventory
Slow customer payments and constant supplier pressure
Hard to see real cash position across banks and accounts
Stable, predictable cash flow so operations run smoothly
Faster access to working capital without waiting on payments
Automated invoice and payment flows that cut errors and save hours every week
Get funded
Let’s connect

Get funded in 4 simple steps

Step 1
Apply for a credit limit that matches your growth plans
Step 2
Upload your supplier invoice or purchase order in FinancePay
Step 3
Once your request is approved, FinancePay pays your supplier directly
Step 4
You repay FinancePay in scheduled instalments after goods arrive and start selling.

Funds move through local payment rails with settlement via Sarie and bank transfers. Card acceptance uses the national Mada network where relevant. Electronic invoicing is aligned with ZATCA requirements.

Powering growth for inventory heavy industries

From construction and consumer goods to electronics, food and health, FinancePay simplifies complex supplier payments and gives every business more control over cashflow and growth.

Customers we serve
Consumer Goods
Construction
Home & Lifestyle
Food & Beverage
Beauty & Personal care
Electronics Accessories
Health & Wellness

Trusted by growing businesses across Saudi Arabia

National retail group, Riyadh
“Winning new tenders is not the problem. Paying suppliers 60 to 90 days before we see revenue is. If FinancePay can fund inventory in under 24 hours and let us repay from sales, we can scale much faster without stretching bank limits.”
Finance Director
Large supermarket chain
+ 30%
stock on shelf in peak weeks
Vision 2030 SME mandate
“By 2030, Saudi Arabia will increase the contribution of small and medium sized enterprises to GDP and support them with improved access to financial assistance and enabling services.”
Kingdom of Saudi Arabia
Vision 2030 framework
21 to 35%
SME share of GDP by 2030
Online consumer brand, Jeddah
“Every big campaign means a cash squeeze. Banks want 2 more years of history before they increase our limits. FinancePay using real sales and e-invoice data is the first option that matches our growth speed.”
Founder
Fashion and lifestyle e-commerce
2x  Inventory
without new bank debt
Financial system transformation
“Vision 2030 will enhance the financial system’s efficiency, transparency, and technological adaptation.”
Saudi Ministry of Finance
Digital transformation agenda
600,000+
businesses using e-invoicing
FMCG distributor, Eastern Province
“Suppliers want cash on shipment, customers pay 90 days later. At the moment that gap is funded from partners’ personal guarantees. Moving that risk into a Shariah aligned platform like FinancePay frees up our balance sheet.”
Managing Partner
Regional FMCG distributor
Shift 80%
supplier payments to FinancePay
SME enablement commitments
“We will enable small and medium sized enterprises to grow and prosper by improving access to funding and financial solutions.”
Vision 2030
SME Enablement Objectives
1.6 Million +
registered SMEs in Saudi Arabia
Construction materials supplier, Riyadh
“On large projects our cash can be locked up on site for months. A solution that pays our suppliers directly against verified invoices, while we repay from milestone receipts, reflects how this market really works.”
CFO
Construction materials company
< 45 Days
reduce cash gap from 120 Days

Suppliers love getting paid with FinancePay

Offer FinancePay as a payment option on your invoices or portal so you get paid on time and your buyers receive flexible terms. Turn reliable buyers into great buyers with larger order sizes, longer terms and more frequent purchases.

Become a supplier partner

Frequently asked
questions

How is FinancePay different from a bank loan?
FinancePay funds specific inventory orders rather than giving you a general loan. We pay your supplier directly, then you repay FinancePay over an agreed schedule that follows your sales cycle. There is no interest in the traditional sense. Pricing is a clear profit margin agreed upfront, and your existing bank facilities stay free for other long term needs.
Do you support local and international suppliers?
FinancePay funds specific inventory orders rather than giving you a general loan. We pay your supplier directly, then you repay FinancePay over an agreed schedule that follows your sales cycle. There is no interest in the traditional sense. Pricing is a clear profit margin agreed upfront, and your existing bank facilities stay free for other long term needs.
Are you compatible with local payment systems?
FinancePay funds specific inventory orders rather than giving you a general loan. We pay your supplier directly, then you repay FinancePay over an agreed schedule that follows your sales cycle. There is no interest in the traditional sense. Pricing is a clear profit margin agreed upfront, and your existing bank facilities stay free for other long term needs.
How does FinancePay work with electronic invoicing?
FinancePay funds specific inventory orders rather than giving you a general loan. We pay your supplier directly, then you repay FinancePay over an agreed schedule that follows your sales cycle. There is no interest in the traditional sense. Pricing is a clear profit margin agreed upfront, and your existing bank facilities stay free for other long term needs.
Is this Sharia aligned?
FinancePay funds specific inventory orders rather than giving you a general loan. We pay your supplier directly, then you repay FinancePay over an agreed schedule that follows your sales cycle. There is no interest in the traditional sense. Pricing is a clear profit margin agreed upfront, and your existing bank facilities stay free for other long term needs.
What businesses are eligible?
FinancePay funds specific inventory orders rather than giving you a general loan. We pay your supplier directly, then you repay FinancePay over an agreed schedule that follows your sales cycle. There is no interest in the traditional sense. Pricing is a clear profit margin agreed upfront, and your existing bank facilities stay free for other long term needs.
How fast can I get a decision?
FinancePay funds specific inventory orders rather than giving you a general loan. We pay your supplier directly, then you repay FinancePay over an agreed schedule that follows your sales cycle. There is no interest in the traditional sense. Pricing is a clear profit margin agreed upfront, and your existing bank facilities stay free for other long term needs.

Ready to free up your cashflow and accelerate growth?

Book a demo with our team and see how FinancePay funds your inventory while you keep your cash for growth.
Book a demo