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
Liquidity for every business
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.

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. Fina moves at the speed of business, not a bank.

Flexible

Four 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.

In-Store Checkout

Offer Pay Later at the checkout in-store via POS or link.

Online

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

ERP

Issue Pay Later invoices directly through your ERP or invoicing solution using Fina Button.

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.

Most Fina customers do both. Two sides of cash flow, one account.

Pay suppliers

Stock up now.
Pay later.

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

Explore buyer options
Accept payments

Sell more.
Get paid today.

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

Explore seller options

Most Fina customers do both

Two sides of cash flow, one account.

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 account.
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 customers do both.
Buyers get decisions in minutes on the basic plan. Larger Liquidity Boosts come 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. Sell Better. Buy Better. Pay Better.

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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