SME Invoice Financing is a Sharia compliant post-shipment, short-term finance proposition specifically developed for SMEs to support their working capital finance. This program allows SMEs to receive cash against their sales invoices before their customers/ buyers have actually paid.


  • Additional source of capital
  • Improve cash conversion cycle
  • Shorter time to revenue
  • Shorter days' sales outstanding
Purpose of facility

• Finance working capital needs Key Product Features

  • Max. Finance amount: up to SAR 3 million
  • Max. 80% financing against each invoice
  • Facility valid for one year with annual renewal


  • Any business – establishment, general partnership or limited liability company which has been in business for more than 3 years
  • Business turnover between SAR 1 million and SAR 30 million
Bank terms and conditions apply.

Next Steps

Please contact our SME Centers to fix a convenient appointment with our sales staff who will be pleased to visit you at your office.