Tamwheel — Drive capital forward

The gap

SMEs run the Kingdom. Banks barely fund them.

Small and medium businesses are the backbone of the Saudi economy, yet they receive 11.5 percent of bank credit. Vision 2030 targets 20. Most of the difference sits frozen in receivables that take months to collect.

11.5%

of Saudi bank credit reaches small and medium enterprises, end 2025

20%

Vision 2030 target — close to double today's share

40%

of formal MSMEs are credit-constrained, collateral the leading barrier — IFC and World Bank

How it works

From receivable to capital, in three moves.

Plain invoice financing connects one lender to one invoice, and the credit decision stays a decision about the supplier. Making the receivable divisible lets many funders hold a share — and an acknowledged assignment moves the obligation to the buyer. Read the thesis →

STEP 01

Submit your receivables

ZATCA ✓

SAR 85K

SAR 120K

Upload your invoices. Tamwheel verifies each one and confirms its ZATCA-compliance — so it's ready to be financed, fast.

STEP 02

We make it divisible

SEALED

UNIT

RECORDED

Permissioned ledger · no personal data

Each verified receivable becomes a divisible unit recorded on a permissioned ledger — so one funder or several can finance it, and ownership is always clear.

STEP 03

Get matched & funded

Funded

matched with funders

Funders finance the receivable, individually or together. Where the buyer has acknowledged the assignment of proceeds, payment at maturity routes to whoever holds it.

See the full mechanism →

Three parties, one platform

Whether you need capital, deploy it, or pay it.

For business

Unlock the cash
in your receivables.

Stop letting long payment terms dictate your cash flow. Turn what you're already owed into capital you can use now.

Submit ZATCA-compliant receivables
Get matched with active funders
Access capital in days, not months

For business →

For funders

Finance verified
Saudi receivables.

Access a pipeline of verified receivables from real Saudi businesses — and run your own credit decision on each.

Verified, ZATCA-compliant deal flow
Your own credit and risk assessment
Fund whole or via syndication

For funders →

For buyers

Pay on your terms.
Strengthen your chain.

Nothing changes in procurement, validation or payment dates. You pay once, on your original terms, to whoever holds the receivable at that moment.

No change to payment terms or dates
Acknowledge assignment once, digitally
Suppliers funded without new liability to you

For buyers →

Trust architecture

Built for trust, by design.

Structured to Islamic finance principles

Built to those principles from the outset, not a conventional product adapted afterwards.

PLACEHOLDER — confirm the contract structures with counsel before this goes live.
PLACEHOLDER — name the reviewing scholar or board only once one is appointed.

Built for supervision

Attributable records and an audit trail a supervisor can hold on its own node.

No personal data on the ledger. Commercial documents remain sealed.
Every action attributable to an organization, a credential and a named individual.
An independent audit trail a supervisor can hold itself. Architecture and demonstration environment shared under NDA.

We hold no client funds

Financing is contracted directly between the licensed funder and the supplier. The money never sits with us.

Every financing arrangement is contracted directly between the licensed funder and the supplier.
Disbursement and collection move between those two parties. We take no credit risk and make no credit decisions.
Settlement moves over a supervised bank account, on both legs.

Transparent by construction

Every position is recorded and auditable end to end.

Double financing is prevented at the ledger, not by reconciliation after the fact.
Existence and encumbrance are provable without revealing commercial terms.
Where several funders hold one receivable, each is settled its exact entitlement.

The full trust architecture →

Request access

Onboarding is by introduction.

Tamwheel operates in a supervised environment. Suppliers, buyers and funders are each onboarded individually, with the checks and agreements that go with it — so there is no self-serve sign-up. Tell us who you are and we will come back to you.

Your details go to Tamwheel and are used only to answer this request. They are not shared with third parties.