Verified suppliers.Instant liquidity.
SanadIQ+ certifies suppliers, scores credit and backs every invoice with ZATCA Phase 2 and SAMA Open Banking data. Through NaqdFlow+, that trust becomes cash in your account in 60 seconds, with no real-estate collateral.
NaqdFlow+ financing uses Shariah-compliant Murabaha structures
Invoice INV-2026-0418
Buyer: Red Sea Construction Co.
SAR 184,500
Cleared by ZATCA
UBL 2.1 · cryptographic stamp verified
Deposits matched
12 months via SAMA Open Banking
SanadIQ+ Score: A-
Supplier certified · 11.4 s
NaqdFlow+ offer released
SAR 166,050 to operating account
60–120days
Typical wait for Saudi B2B suppliers to be paid
< 15sec
To match cleared invoices with live bank data
0
Real-estate collateral required
Built on Saudi digital infrastructure
The problem
The Saudi working-capital gap
01
Long payment terms
B2B suppliers wait 60 to 120 days to collect on goods and services they have already delivered.
02
Slow, paper-heavy factoring
Traditional bank factoring needs weeks of audited financials, paper stamps and real-estate collateral.
03
Fraud keeps banks cautious
Duplicate invoices and phantom sales make lenders hesitant to finance SMEs at all.
Invoice delivered · 0 days
NaqdFlow+ funds · ≈0 days
Buyer pays · 60–120 days
How it works
Two trusted data rails. One instant decision.
- 1
Clear
Your invoice is cleared by ZATCA. Phase 2 gives cryptographic proof that the receivable is real and accepted.
- 2
Connect
Link your operating account through SAMA Open Banking. We see real deposits, not spreadsheets.
- 3
Fund
SanadIQ+ reconciles both streams in under 15 seconds, then NaqdFlow+ releases Murabaha financing through your bank.
Our products
Intelligence that earns trust. Liquidity that moves fast.
SanadIQ+
سند+ · Trust & credit intelligence
Our flagship intelligence brand. “Sanad” means legally backed, verified and endorsed.
- Certify suppliers as reputable with the SanadIQ+ Verified badge
- Score credit deterministically from tax and bank data
- Back every invoice with cryptographic ZATCA proof
NaqdFlow+
نقد فلو+ · Invoice discounting & working capital
Our product line that turns SanadIQ+-verified invoices into cash.
- Discount ZATCA-cleared invoices in 60 seconds
- Uncollateralised Murabaha working-capital lines
- Capital Engine for partner banks with direct repayment control
Under the hood
Five engines. One trust network.
SanadIQ+
QuickPass
كويك باس
Onboarding in minutes with Nafath identity and ZATCA sync. No branch visit, no paper.
SanadIQ+
Vault
الخزنة
Cryptographic ledger of UBL 2.1 cleared invoices, with hash-chain and counter-gap checks.
SanadIQ+
Rails
المسارات
Live SAMA Open Banking feeds: 12 months of deposits and verified IBAN ownership.
SanadIQ+
Score
التقييم
Deterministic underwriting that reconciles tax turnover with real deposits and flags phantom revenue.
NaqdFlow+
Capital Engine
محرك التمويل
Bank workspace for pre-underwritten invoice portfolios with direct repayment control.
For credit teams
What lands on the underwriter’s desk
Delivered in the Capital Engine console or by API, and refreshed after disbursement for early warning.
Al-Madinah Logistics Co.
Standard BRecommended facility
SAR 398K
ZATCA × SAMA
77 / 77 matched
Live demo data · sandbox environment
Working product
Built, running and ready to try
ZATCA Phase 2
Onboarding (CSID), signing and reporting on the official SDK
SAMA Open Banking
Account linking, sync, transactions and webhooks through Lean
PDPL consent
Explicit, scoped consent with tamper-evident records
Underwriting engine
Deterministic scorecard keyed by CR number
“The automated underwriting infrastructure reconciling Saudi corporate e-invoicing ledgers with live deposit feeds.”
Become SanadIQ+ verified.
Start with QuickPass and unlock NaqdFlow+ financing in minutes.