Supply Chain Finance Unlock working capital through a smarter financing setup

A faster, digital alternative to traditional finance for companies and
suppliers.

Licensed and supervised by the Saudi Central Bank and structured in accordance with Shariah principles.

What is Supply Chain Finance?

Supply Chain Finance (SCF) is a tool that helps free up cash trapped
in supply chain process for both Suppliers and Buyers. Suppliers
gets paid early against approved invoices at competitive rates while Anchor Buyer continue availing the credit period & pay on pre
agreed due date. It gives both parties a secure and structured
approach to managing their receivables and payables without
adversely impacting balance sheet

How does it work?

The process starts once the buyer approves the invoice. The approved
invoice becomes available for early payment, the supplier submits the
request, the amount is disbursed net of charges, and the buyer settles on
the agreed due date.

Visual of 2 arrows in blue with dark background

Approved Invoice

The buyer approves the invoice within the system, making it eligible for an early payment request.

Early Payment Request

The supplier selects the approved invoice and submits an early payment request for it.

Financing and Disbursement

The request is processed, and the amount is disbursed to the supplier after deducting the fees.

Payment at Maturity

The buyer pays the invoice value on the agreed due date.

Designed to support both large corporates and their suppliers

Supply Chain Finance creates value for both sides of the relationship. It
helps companies manage supplier payments through a more structured
system, while giving suppliers faster access to liquidity against approved
invoices.

For companies

A more structured setup for supplier payments, with clearer visibility over
approved invoices and payment requests, while supporting a more efficient working capital cycle, stronger supplier relationships, better control over procurement costs, and broader financial and operational value across the supply chain.

For suppliers

Faster access to liquidity against approved invoices, with clear visibility
over cashflow helping unlock cash tied up in receivables, reduce financing
cost, and ease the collection burden.

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Why Supply Chain Finance from Lendo?

The value of Supply Chain Finance depends not only on how the program
is structured, but also on the platform behind it. Lendo offers a regulated,
digital, and customizable setup that supports Supply Chain Finance with
greater confidence and flexibility.

Regulated for confidence

Lendo is the first licensed crowdfunding entity in KSA and operates under SAMA supervision, giving companies a more trusted framework for Supply Chain Finance.

Digital by design

A fully digital platform helps manage the program with greater speed, accessibility, and operational continuity.

Shariah-compliant structure

The solution is built on a Shariah-compliant structure that supports Supply Chain Finance within a trusted financing framework.

Customizable by program

Lendo offers a program-based setup that can be tailored to the needs of different companies and their supplier needs.

Competitive financing rates

The program is designed to support competitive financing rates and create
stronger value across the supply chain.

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Apply now for Supply Chain Finance

Start with a clearer, more structured system to enable early
payment for your suppliers.

FAQs

Who can benefit from this solution?

The Supply Chain Finance program is designed to serve two core parties: large companies (buyers) looking to offer their suppliers a structured, centrally managed financing solution, and suppliers who need to access the value of their approved invoices before the due date rather than waiting through extended payment cycles. The program is built to serve a complete operational cycle that connects both parties within one integrated system, making it suitable for any sector where buyer-supplier relationships are established and operate at sufficient scale.

Does the invoice need to be approved before applying for financing?

Yes, buyer approval of the invoice is the foundational requirement that initiates the financing process. Once the invoice is approved within the system, it becomes eligible for early payment requests, and the supplier can submit their application to receive the disbursed amount after deducting pre-agreed fees. This structure ensures that financing is based on a confirmed commitment from the buyer rather than unverified receivables, making the entire process more secure and transparent for all parties involved.

Is the solution Sharia-compliant?

Yes, the solution is built on a financing structure that is fully compliant with Islamic Sharia principles, certified by an independent Sharia board. Lendo operates under Murabaha contracts that are Sharia-approved, and all products offered on the platform are subject to ongoing Sharia oversight to ensure continued compliance. This makes the Supply Chain Finance program a suitable choice for companies and suppliers who require their business transactions to remain within a legitimate and certified Islamic finance framework.

How do I get started with the program?

The first step is to submit a program application through the platform, after which Lendo's specialist team will get in touch to understand your company's needs and determine the most suitable program structure based on your supplier relationships and the volume of invoices involved. The onboarding process is fully digital and designed to be customizable, allowing the program to go live quickly without the complexity of traditional financing procedures.

What is the difference between Supply Chain Finance and invoice financing?

Invoice financing is a solution offered directly to companies based on their own outstanding invoices with their clients, where the company submits its invoices to access liquidity while awaiting collection. Supply Chain Finance, on the other hand, is a program-based model where the large company (the buyer) makes the program available to its suppliers rather than using it for itself, with financing based on the buyer's creditworthiness rather than the supplier's. As a result, suppliers benefit from more competitive financing rates than they would typically access independently.

How quickly can suppliers receive funds after submitting an early payment request?

Lendo's digital platform is built for speed and operational efficiency, processing requests submitted against pre-approved invoices without repeated manual reviews. This allows suppliers to access liquidity much faster than waiting through traditional collection cycles that can stretch across weeks or months. For specific timelines relevant to your program structure, this can be discussed in detail with the Lendo team during the program setup phase.

Does the program affect the company's relationship with its suppliers?

The program strengthens supplier relationships rather than complicating them. When suppliers can access their receivables faster through a clear and reliable mechanism, it positively impacts their operational stability and their continued commitment to the buyer. Many large companies use Supply Chain Finance programs as a tool to build supplier loyalty, reduce the risk of supply chain disruption, and attract new suppliers with more competitive and appealing payment terms.

Can the program be tailored to the company's sector or supply chain size?

Yes, Lendo's Supply Chain Finance program offers a model that can be aligned with each company's specific requirements, whether in terms of the number of enrolled suppliers, the types of eligible invoices, or the financing terms that best fit the operational context. There is no rigid one-size-fits-all structure; Lendo's team works to understand the nature of each company's supply chain and design the program accordingly to match its operational and commercial needs.

Is there a minimum company size or number of suppliers required to join the program?

The program is designed for companies with established supplier relationships and sufficient invoice volume to make the program genuinely valuable for both parties. To verify your company's eligibility and understand the enrollment requirements in detail, you can submit a program application and the Lendo team will assess the situation based on your company's specific circumstances.