Pay Invoice

Pay any supplier invoice later

Fina pays the supplier today. Your business settles up to 90 days later. Shariah compliant. No late fees.

✓ Shariah Compliant
✓ No Late Fees
✓ Same-day Supplier Payout

What it is

Your business buys. Fina pays. You settle later.

Share the PO with Fina. Fina pays your supplier today, in full. Your business settles with Fina on the terms you pick, anywhere from 4 to 90 days. A flat processing fee, shown upfront. No interest, no late fees. This is a buy-and-sell arrangement — Fina buys from your supplier, your business buys from Fina at a disclosed price. Not a loan. Not reported as debt.

How it works

Four simple steps

Onboard

Complete Fina onboarding. Get your Liquidity Boost.

Share the PO

Identify the supplier. Share the PO. Pick your terms.

Confirm

You or anyone with access confirms the order.

Supplier paid. Settle later.

Fina pays today. Your business settles on agreed terms.

✓ Zero interest
✓ Zero penalties
✓ Fully transparent

Who it's for

If your business buys from suppliers

RoastersSecure unique harvests without blocking cash.
ImportersPay exporters on order. Capture volume discounts.
WholesalePay before stock runs out. Never lose a deal.
ManufacturingKeep raw materials flowing. Production never stops.
RetailBuy seasonal stock now. Pay after selling through.
Discount StoresSnap up cash-only deals. Fina pays, you save.
Food & BeveragePay ingredient suppliers on time. No chasing collections.
ConstructionPay for materials upfront. Don't wait for milestones.

Why businesses love it

Real benefits for real businesses

Business Owner

Say yes to more deals

Supplier offers a cash-only discount? Say yes. No moving money around first.

Procurement

Negotiate sharper prices

Your team knows the supplier gets paid today. Push for cash-deal pricing.

Finance

Sell before you pay

Predictable cash flow. Pick terms that let the business sell before settlement.

Supplier Relations

Become the best customer

Suppliers love buyers who pay cash. Unlock priority allocation and better prices.

Growth

Buy more. Borrow nothing.

Purchasing power grows with your business. Not your debt. Your Boost expands.

FAQs

Questions to ask

Is it Shariah compliant?

Yes. Reviewed by an independent Shariah supervisory board. Fina buys from the supplier. Your business buys from Fina. No interest at any point.

How fast is the supplier paid?

Same day. Once the PO is confirmed, Fina transfers payment that business day.

How do I share a PO?

Fina portal or WhatsApp — whichever is easier. Upload a PDF, share a link, forward an email.

Who on my team can raise POs?

Up to you. Grant procurement, finance or individuals access. Per-person spending caps configurable.

Minimum or maximum per PO?

No minimum. Maximum sits within your overall Liquidity Boost.

Cross-border suppliers?

Yes. Contact the Fina team to confirm coverage.

Is this a loan?

No. A buy-and-sell arrangement at a disclosed flat price. Not lending. Not reported as debt.

Returns or disputes?

Your normal returns process with the supplier applies. Once the credit is confirmed, Fina adjusts your repayment.