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.
7,500,000
SAR max
30 to 120 days
Tenor
48 hours
Speed
1.5% to 4% monthly on financed amount
Cost
Upload the invoice with the signed contract and proof of work delivery
Lender verifies the invoice and client (24-48 hours)
70-90% of invoice value is transferred to you immediately
When the client pays the invoice on time, the lender collects and returns the difference after fees
A sample. Diro instantly matches you with lenders suited to your business profile.
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
Invoice financing converts approved invoices from large clients into immediate cash, replacing the wait for scheduled payment that can stretch 30-120 days. In Saudi Arabia, this product has grown quickly because of long payment cycles in the government sector and from major clients (Aramco, SABIC, Tadawul-listed companies). The product is especially useful for suppliers serving clients with higher credit ratings than themselves.
Specialized financing platforms: Tameed — the leader in Saudi invoice financing, serving Aramco, SABIC, and government suppliers at 1.5-3% monthly rates. Forus — offers invoice financing to mid-tier companies at competitive terms. The government's "Etimad" platform lets suppliers convert approved government invoices into financing through partner banks. Lendo offers similar services for the private sector. Traditional banks (SNB, Al Rajhi) offer invoice discounting for large corporates.
Key notes: the core approval requirement — the obligor must be well-known with strong credit. Invoices from Aramco, SABIC, government bodies, and large Tadawul-listed companies qualify at the best rates. Invoices from small or unrated companies may not qualify. Avoid disputed invoices or those with delivery problems — financing platforms detect them and reject the application. Make sure to obtain formal invoice acceptance from the obligor before applying. The 2024 Etimad platform expansion to cover sub-contractors has opened a new sub-segment several financiers are actively underwriting.
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.
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.
Typically SAR 50K per invoice at most lenders. Max single invoice reaches SAR 5M at Tameed, higher at Lendo for government invoices.
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