Built for Saudi businesses

Unlocking business liquidity for everyone

Fina pays your suppliers today. Fina turns credit sales into cash today. No interest, no late fees, no surprises.

Pay a supplier now, pay us later Sell on credit, get paid today
Liquidity for every business
✓ Shariah compliant ✓ No late fees ✓ Up to SAR 2.5M Liquidity Boost
Businesses growing with Fina
Dar Al Rawad Adwa Al Fakha Masir 82 Roastery Saif United Majra F&B Rasm Al Qimmah Brooklyn Lean Co. Pearl Bouquet
Straight talk

Fair. Fast. Flexible. Frictionless.

A system built for how your business actually runs.

Fair

No interest. No late fees.

SAR 0.00

Fully Shariah compliant. Only a flat processing fee, shown upfront before any transaction is confirmed.

Fast

At the speed of business

Same-day supplier payouts. Decisions in minutes, not weeks.

Flexible

Diverse products, one promise.

Invoice, installments, revolving or sales-linked. Your business picks what fits the purchase.

Frictionless

Liquidity, everywhere you work

Fina shows up at every checkout your business already uses. Online, in-store, WhatsApp, ERP.

Tap to pay Pay Later Approved 0% interest

In-Store Checkout

Offer Pay Later at the checkout in-store via POS or a tap-to-pay link.

checkout · pay with fina
Almadar Trading Co.SAR 1,240
Bank transfer
Fina · Pay Later60 days
Pay with Fina
Paid with Fina

Online

Let your business customers pay you in-app or at online checkout.

INV-2041 · Alfaisal FoodsSAR 8,200
INV-2042 · Najd WholesaleFina Pay
INV-2043 · Red Sea SuppliesSAR 3,150
Pay Later link ready

ERP

Issue Pay Later invoices straight from your ERP with the Fina Button.

FINA · PAY LATER
pay.finapay.ai/inv-204
WhatsApp SMS Email Telesales

Omni Channel

Send a Pay Later link through any channel: WhatsApp, SMS, email or telesales.

For both sides of your business

Buy with Fina. Sell with Fina. Or both.

Pay later as a buyer. Get paid today as a seller. One account.

Pay suppliers

Stock up now.
Pay later.

Fina pays suppliers today. Your business settles on terms that work.

Explore buyer options
AF
Alfaisal Foods TradingInvoice INV-2041
SAR 84,500
30 days 60 days 90 days
Supplier paid today You pay in 60 days
PO confirmed
0% interest
Accept payments

Sell more.
Get paid today.

Your buyers pay later. Your business gets paid upfront. No risk, no wait.

Explore seller options
NM
Nakhla MartOrder #8841 · Pay in 60
SAR 12,400
Buyer pays Finain 60 days
You get paidToday · SAR 12,400
Payout sent Zero credit risk
+ SAR 8,150 · Wahat Grocers
Settled

We understand merchants have two sides to their business. We power both.

Two sides of cash flow, one source of liquidity.

Pick a side to start. Add the other whenever you're ready.

I buy from suppliers

Pay invoices on your terms. Your supplier gets paid today.

I sell to businesses

Offer Pay Later at checkout. Get the full amount upfront. Zero risk.

Your words, our pride

Trusted by businesses like yours

Real merchants. Real stories. Tap a card to hear them.

FAQs

Questions businesses ask us

Yes. Every product is built Shariah compliant, reviewed by an independent Shariah supervisory board. No interest at any point.
Fina unlocks liquidity for Saudi businesses. For buyers, Fina pays suppliers today and the business settles later. For sellers, Fina pays upfront while buyers pay Fina later. Two sides, one source of liquidity.
No. Fina is not a lender. It is a buy-and-sell arrangement. Fina buys from your supplier and sells to you at a disclosed flat price. No interest, no debt on your books.
Never. Like any payment method, Fina charges a flat processing fee, shown upfront. What you see is what you pay.
Any Saudi business that buys or sells to other businesses. Most do both.
Buyers get decisions in minutes on the basic plan. Larger Liquidity Boosts are approved within 24 hours. Sellers go live on their first channel within a week.
No setup fees, no monthly fees, no hidden charges. Just a flat processing fee per transaction, disclosed upfront.
A bank overdraft takes weeks, charges interest and shows up as debt on your books. Fina is a Pay Later arrangement. Minutes to approve, no interest, no debt footprint.

Grow Now.

Still not sure if Fina is right for you?

Chat with your favorite AI assistant or with our experts to learn more about Fina and how it can help your B2B business in Saudi Arabia.

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