Businesses pay later with Fina

Boost your business purchasing power

Fina pays suppliers today. Your business settles later on terms that work. No interest. No late fees.

Check your Liquidity Boost How it works
  • ✓ Shariah Compliant
  • ✓ Up to SAR 2.5M Liquidity Boost
  • ✓ SAR 180M+ Delivered
Fina for Buyers dashboard
Straight talk

Fair. Fast. Flexible.

A system built for how your business actually buys.

Fair

Straightforward. No fees.

SAR 0.00

Fully Shariah compliant. No interest, ever. Only a flat processing fee, shown upfront before any transaction.

Fast

We get your speed

Same day

Same-day supplier payouts. Decisions in minutes. Your business moves at its speed, not a bank's.

Flexible

We get your business

4 – 90 days

4 to 90 days. Invoice, installment, revolving or sales-linked. Your business picks what fits per transaction.

Frictionless

Already in your suppliers' workflow

Fina lives where you already buy. At checkout, in the sales pitch, on WhatsApp, in email. No new tools.

ERP & Checkout

Pay Later appears at checkout in ODOO, Salla, Shopify and more.

POS / In-Store

Offer Pay Later at the counter via Foodics and your existing POS.

WhatsApp & Sales

Sales reps send a Pay Later link. The buyer confirms in chat.

Email & Invoice

Forward the supplier email. Fina parses the invoice in seconds.

Pick your product

Four ways to unlock liquidity

Four products. One promise: Shariah compliant, no late fees, embedded in your workflow.

i

Pay Invoice

Pay later in one go

Up to 90 days. Fina pays the supplier today. Your business settles later.

Explore Pay Invoice
∥

Pay in Installments

Split into four

Four equal monthly payments. 25% today. Zero interest, ever.

Explore Installments
∞

Pay Account

Revolving Liquidity Boost

One approval up to SAR 10M. Draw it, repay it, draw it again.

Explore Pay Account
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Growth

Funds sized by sales

For businesses using our Omni POS. Boost moves with sales. Repay as you earn.

Explore Growth
Your words, our pride

Trusted by businesses like yours

“Fina helped us financially with raw material purchases so we could run our production. They helped us solve the financial problems we faced as a new company.”
AthifCEO · Majra Food and Beverages
“Fina streamlined our cash flow and helped us expand our customer base by making it possible to offer deferred payment options to cafés.”
AbdullahCo-Founder · Masir 82 Roastery
“Fina gives us the flexibility to manage wholesale margins and ensures we have the right channels to move stock exactly when needed.”
RepresentativeAdwa Al Fakha
“Their solution gave us cash flow flexibility and faster inventory turnover. It directly increased our sales and made them true partners in our success.”
General ManagerSaif United
“I used to suffer from liquidity pressure due to credit sales. Today, I receive my money immediately and can grow the business through deferred payments.”
HatemGeneral Manager · Rasm Al Qimmah
“Partnering with Fina made a huge difference. They brought us a large number of customers and significantly boosted our sales. I highly recommend them.”
Hamdy WardaDar Al Rawad Trading Company
Grow your Boost

Your score. Your growth curve.

Every Fina transaction feeds your score. Higher scores unlock bigger Boosts and better terms.

Pay on time

On-time lifts you up

Every on-time repayment signals a healthy business. Pay before due — Fina takes note.

Use Fina regularly

Volume tells the story

The more your business cycles with Fina, the clearer the picture. Consistent beats spiky.

Keep documents fresh

Update annually

Fresh VAT, financials, Balady. Current data means stronger scoring. Bigger Boosts at renewal.

Connect your systems

More signal, more Boost

Connect Omni or your POS. Real sales data unlocks higher Boosts than documents alone.

Your control panel

One app. Every liquidity move.

Boost balance. Upcoming repayments. Supplier history. Your Fina score. Mobile and web.

Fina buyer app - dashboard with Liquidity Boost balance and credit utilization Fina buyer app - orders with statuses and amounts
FAQs

Frequently asked questions by buyers

Pay Invoice for one-off supplier POs with maximum repayment flexibility. Pay in Installments for small, frequent purchases. Pay Account for high-volume, repeat buying. Growth for businesses on Omni who want funds tied to sales.
Same day. The moment the PO is confirmed, Fina transfers payment that business day.
Nominate them. Fina onboards them, usually within days. Pay Invoice works for any supplier regardless.
Pay on time. Use Fina often. Keep your documents fresh. Connect Omni or your POS so Fina sees real sales. Every healthy signal lifts your score and your Boost.
Digital onboarding offers instant Boosts up to SAR 100K. Higher Boosts go up to SAR 2.5M after business verification. Pay Account facilities go up to SAR 10M depending on business size.
No. Fina is a buy-and-sell arrangement, not a lending one. Not reported as debt, not on your balance sheet the way a bank facility is.
Your returns process with the supplier stays exactly as it is. Once the credit note is confirmed, Fina adjusts the repayment schedule.
Never. Total cost is shown upfront before any transaction. No late fees, no penalty interest, no hidden markups.
Supported. Talk to the Fina team to confirm coverage for specific supplier locations.