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Financing by Employer

Aramco FinancingSABIC FinancingSTC FinancingSNB FinancingMinistry of Education FinancingMinistry of Health FinancingMinistry of Interior FinancingTeachers FinancingGovernment Sector FinancingPrivate Sector Financing

Important Disclosure

Diro (getdiro.net) is a financial comparison and brokerage platform and is NOT a licensed lender or finance provider. We do not offer loans or direct financing. We connect applicants with finance providers licensed by the Saudi Central Bank (SAMA) and the Capital Market Authority (CMA). All financing decisions, rates, and terms are determined by the respective finance provider. Estimated profit rates displayed on the platform are for guidance only and may vary based on credit assessment and applicant profile. Free for applicants.

Diro is a marketplace platform and not a licensed lender. All displayed funding providers are licensed by relevant regulatory authorities.

© 2026 Diro. All rights reserved.

Tailored SME Financing

Invoice Financing in Saudi Arabia

Instant cash against your outstanding invoices

Invoice financing converts outstanding invoices into immediate cash. Instead of waiting 30-90 days for a client to pay, you receive 70-90% of invoice value within 48 hours; the lender collects when the client pays. Most suitable for businesses working with the government sector or large corporates.

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7,500,000

SAR max

30 to 120 days

Tenor

48 hours

Speed

1.5% to 4% monthly on financed amount

Cost

Invoice Financing is best for:

  • Contracting companies with government invoices (municipalities, ministries)
  • Suppliers to large corporates (Aramco, SABIC, Ma'aden)
  • Consulting and engineering firms
  • Transport and logistics companies

How Invoice Financing works

1

Upload the invoice with the signed contract and proof of work delivery

2

Lender verifies the invoice and client (24-48 hours)

3

70-90% of invoice value is transferred to you immediately

4

When the client pays the invoice on time, the lender collects and returns the difference after fees

Lenders offering Invoice Financing

A sample. Diro instantly matches you with lenders suited to your business profile.

Tameed

Fastest in market for government invoices

Lendo

Large-corporate invoice financing

Raqamyah

Flexible on invoice types

Forus

Invoice financing for startups

Typical terms

Maximum amount

7,500,000 SAR

Tenor

30 to 120 days

Cost structure

1.5% to 4% monthly on financed amount

Funding speed

48 hours

Frequently asked questions

Can I finance an invoice to a private-sector client?+

Yes, provided the client is a known company with good payment history. Government invoices and large corporates (A-tier) get the best terms. Mid-size company invoices may require additional collateral or higher fees.

What if the client pays late?+

Policies vary. Some (Tameed) absorb the risk and continue collecting without charging you extra. Others require you to repay with a late fee and then pursue collection on your behalf. Read each lender's terms carefully.

What's the minimum invoice value?+

Typically SAR 50K per invoice at most lenders. Max single invoice reaches SAR 5M at Tameed, higher at Lendo for government invoices.

Licensed providers

Completely free

Instant comparison

35+ lenders

Ready for Invoice Financing?

One application, offers from lenders matching your business profile

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