Fina uses your historical data and advances a Growth Boost sized to match. Stock up, hire, expand, run the campaign. Pay after you sell.
Growth Funding is a Liquidity Boost advanced by Fina against your real sales on Omni. Fina reads your sales data, sizes the Boost to match what your business actually moves, and deposits the funds into your Fina account — typically within 48 hours of approval. No heavy paperwork, no bank statements, no business plan.
The business uses the Boost for whatever growth demands — inventory, marketing, hiring, renovation, seasonal stock, a new branch. Repayment is a fixed percentage of sales on Omni, collected on the rhythm that matches the business: daily, weekly or monthly. Sales move, repayments move with them.
Growth Funding is fully Shariah compliant, structured as a buy-and-sell arrangement on future sales — Fina buys a share of future receivables, the business sells them at a transparent, flat fee disclosed and agreed during onboarding. It is not a loan. It does not sit on your balance sheet as debt. There is no interest, no compounding, no late fees — ever.
Growth Funding requires Omni. Omni is the engine — the data source Fina uses to size the Boost, manage repayments and grow the Boost over time as sales grow.
Your sales data powers the Boost. If you're on Omni POS, you might already be pre-approved.
Fina evaluates your Boost based on payment volume and sales history on Omni.
Choose the Boost amount that suits the business. Terms are set when you accept.
After review, funds are deposited into your Fina account, typically within 48 hours.
A fixed percentage of sales on Omni goes to repayment. Daily, weekly or monthly — your rhythm.
Growth Funding repays as a fixed percentage of sales. Pick daily, weekly or monthly — whichever matches how the business thinks.
Cafés and retail think in days.
Wholesalers and F&B, weekly.
Project-based and B2B.
The repayment rhythm is set once at onboarding and runs automatically. A busy day means a larger repayment. A slow day means a smaller one. A day with no sales means no payment is due.
The rhythm matches the business, not the other way around. A cafe with daily takings doesn't wait a month to square the books. A wholesaler with weekly shipments doesn't get hit with daily debits. A project-based business with larger, lumpier revenue can breathe between settlements.
When sales slow, repayments slow. When sales stop, repayments stop.
Based on real sales data, not paperwork. Funds hit your account the next business day after approval.
Your Boost is sized by real sales on Omni. Not by static financials. Not by a credit history that doesn't fit.
A fixed percentage of sales on Omni. Daily, weekly or monthly — your choice. When business slows, repayments slow.
A buy-and-sell arrangement on future sales. Not a loan. No equity dilution. Your balance sheet stays clean.
As sales grow on Omni, your next Boost grows. Fina already sees the numbers. No reapplying.