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 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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