A SanadIQ+ product
ZATCA-cleared invoices.Instant Open Banking liquidity.
NaqdFlow+ turns your SanadIQ+-verified invoices into Shariah-compliant Murabaha working capital. From tax clearance to cash in account in 60 seconds.
60sec
From cleared invoice to funds
0
Real-estate collateral required
100%
Invoices verified by ZATCA clearance
From tax clearance to cash in account
0s → 60s
0s
Invoice cleared
ZATCA stamp and QR verified
11s
SanadIQ+ verified
Matched to bank inflows
30s
Murabaha offer
Fixed profit, from your bank
58s
Funds in account
Paid to your operating account
What you get
Working capital that moves at the speed of your invoices
Instant invoice discounting
Select any ZATCA-cleared invoice and receive a Murabaha offer against it in seconds.
Approved facility lines
Once SanadIQ+ has scored your business, draw on a revolving working-capital line as you invoice.
Shariah-compliant by design
Financing is structured as Murabaha with partner banks, with clear, fixed profit terms.
Repayment that runs itself
When your buyer pays, repayment settles from your operating account automatically.
How NaqdFlow+ works
Verify with SanadIQ+
Onboard once through QuickPass: Nafath identity, ZATCA sync and an Open Banking link.
Choose invoices
Pick the cleared invoices you want to fund, or let your facility line draw automatically.
Receive funds
Your partner bank releases the Murabaha amount straight to your operating account.
For banks & lenders
NaqdFlow+ Capital Engine
A workspace for partner banks to review, approve and monitor pre-underwritten invoice portfolios, with every receivable cryptographically cleared and reconciled against live deposits.