How it works

From receivable
to capital.

A supplier is owed money and does not want to wait. A funder is willing to advance it. A buyer pays once, on the date it always would. Here is what happens in between — no background required.

01
Tamwheel

Submit & verify

A supplier submits invoices it is waiting to be paid on. We check each one against ZATCA to confirm it is genuine. We verify the invoice; we do not judge whether anyone is creditworthy — that is the funder’s decision, not ours.

ZATCA ✓
SAR 85K
SAR 120K
02
Tamwheel

Make it divisible

The receivable is recorded once, on a register every party sees the same version of. It can be split, so more than one funder can take a share. It cannot be financed twice.

03
Funders

Assess & fund

Banks and other licensed funders review the receivable and make their own credit decision. They choose whether to finance it and on what terms, alone or alongside others. The supplier is paid.

04
Platform

Settle

The buyer pays on the original date, the amount it always owed. Because it agreed in advance to pay whoever holds the receivable, the money reaches the funder directly. Everyone is squared off and the record closes.

Settled
proceeds assigned · reconciled
The core idea

Two things make this different.

First, an invoice normally locks one funder to one deal. Here it can be split, so several funders can each take a share of a large one, and small suppliers stop being too small to bother with.

Second, when the buyer agrees up front to pay whoever holds the receivable, the funder is relying on the buyer rather than on the supplier. That single step is what makes financing available to suppliers who could not otherwise get it.

ONE RECEIVABLE · MANY FUNDERS
Who does what

Clear roles. No blurred lines.

Tamwheel is the marketplace and infrastructure. Funders bring the capital and own the credit decision. That separation is deliberate — and it's how the platform stays trustworthy.

Tamwheel does

Verify, structure, facilitate

  • Verify the receivable is genuine and ZATCA-compliant
  • Make it divisible and make ownership transparent
  • Match businesses with funders and facilitate syndication
  • Facilitate settlement and assignment of proceeds
Funders do

Assess, decide, finance

  • Run their own credit and risk assessment
  • Decide what to finance and on what terms
  • Apply their own AML / KYC standards
  • Provide the capital and carry the credit risk
Where you sit

What this means for you depends on which side you are on.

SuppliersGet paid now instead of in ninety days, without new debt or giving up equity.For business → FundersLend against the buyer’s obligation rather than the supplier’s, and free capital doing it.For funders → BuyersOne acknowledgment. No change to your terms, your dates or your balance sheet.For buyers →

Simple on the surface.
Serious underneath.

Whether you're financing receivables or funding them, the mechanism is built to earn trust.

For businessFor funders