Financing based on your actual daily sales
POS financing is a revolution for retail and restaurants. Instead of fixed monthly installments, you repay automatically as a percentage of each sale through your POS terminal (e.g., 8-15% of each transaction). Repayment is lower in slow months and higher in strong months — no cash-flow pressure.
3,000,000
SAR max
3 to 12 months (flexible based on sales)
Tenor
24 to 48 hours
Speed
Total fees 1.1x to 1.3x the financed amount
Cost
Connect your POS to the lender's platform via secure integration — they see your daily sales
Lender offers an amount based on your average sales (typically 1-3x monthly sales)
Receive funds immediately; repayment starts automatically from the next day's sales
Each transaction deducts a pre-agreed percentage (8-15%) until the full amount is repaid
A sample. Diro instantly matches you with lenders suited to your business profile.
Maximum amount
3,000,000 SAR
Tenor
3 to 12 months (flexible based on sales)
Cost structure
Total fees 1.1x to 1.3x the financed amount
Funding speed
24 to 48 hours
POS financing is an innovative model — it provides cash against a percentage of daily sales running through Mada-registered POS terminals. Repayment is automatic, set as a percentage of sales (typically 5-15%) rather than a fixed monthly installment. This fits sectors with daily, variable revenue: restaurants, retail, cafes, pharmacies, beauty salons.
Financing platforms: Lendo is the leader in Saudi POS financing — offering SAR 50K-2M based on average POS sales. Conditions: 6-12 months of recorded POS sales, eligibility for 1-3x average monthly revenue. Approval speed: 3-5 business days, automatic repayment. Other platforms: "Salla Capital" for e-commerce stores on the Salla platform, "Sary Capital" for B2B merchants.
Key notes: to improve the offer, concentrate all sales on formal POS terminals (Mada) — avoid cash and informal transfers. Businesses with stable daily sales (pharmacies, supermarkets) get better terms than those with volatile revenue (seasonal restaurants). Settle late invoices before applying — POS platforms verify revenue patterns. Drawback: in slow seasons, the repayment period extends but the total amount doesn't decrease — POS financing can cost more than a fixed loan if sales drop. The 2024 introduction of Apple Pay and STC Pay integration with Mada has broadened POS-financing eligibility to businesses using newer payment methods that were previously excluded.
POS financing automatically pauses deductions when sales stop. No fixed monthly installment — if you close for a week or more, repayment resumes when you're back. This is the key feature of this financing type.
You need a POS approved by Mada or major Saudi payment gateways. All officially-registered Saudi restaurants and shops have this. Integration happens automatically between the lender and POS provider.
Working capital has fixed monthly repayment (usually cheaper, but higher cash-flow pressure). POS has variable repayment based on sales (higher total cost, but more flexibility). POS suits seasonal businesses; working capital suits stable ones.
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