Most lenders ask what your business is worth. Here, once your customer confirms it will pay us directly, the funder is looking at your customer — not at your balance sheet, your trading history or your collateral. That is why financing reaches businesses it usually does not.
Enter an invoice amount and how long until your customer pays. That is working capital you have already earned and cannot yet use.
Tamwheel matches your verified receivable with funders so you can access financing against it in days. Advance rates and financing terms are set by participating funders based on their own assessment.
The funder is repaid by your customer, so the credit question is about them. No collateral pledged, no personal guarantee, no charge over your assets.
Nothing off your cap table. This is financing against money you have already earned, not a stake in what you are building.
Every financing structure on the platform is built to Islamic finance principles rather than adapted from a conventional product.
When repayment comes from a strong buyer, the funder’s own cost of holding it falls — and that shows up in what you are quoted.
Submit online, get verified against ZATCA, and be matched with funders. No branch visits and no waiting rooms.
From a single invoice to a recurring facility, scaling with your order book rather than resetting each time.
The stronger your customer, the better this works — because it is their obligation the funder is pricing. Government bodies, government-linked entities and large corporates are where it works best.
Apply in minutes. Put your receivables to work today.