Instant credit
A revolving credit facility of up to SAR 500,000, subject to eligibility. Purchase inventory today and repay over 30, 60 or 90 days, in 2, 3 or 4 instalments.
Finance your invoices,
grow your business
SalesFine is a digital B2B credit platform that gives merchants fast, flexible financing to buy inventory, while guaranteeing instant, risk-free payments for vendors.
For vendors
Sell to every merchant. Get paid instantly.
The merchants you sell to need your products but cannot pay upfront. SalesFine pays you in full the moment the order is placed and takes the credit risk off your books entirely.
- Settlement within two business days, no waiting on 60-day terms.
- The merchant repays SalesFine on the agreed collection days, up to 90 days from the order. Chasing it is our job, not yours.
- Zero credit risk: repayment is our responsibility, not yours.
- No merchant KYC or collections overhead. We onboard, screen and credit-check every buyer.
- You choose who carries the cost. Absorb the service fee to win merchants, or share it with them.
- Reach merchants you previously had to turn away as too risky.
Vendor · 10+ year FMCG distributor
Before
We lost 30% of potential sales because we couldn’t offer credit to small merchants. It was cash-only or no deal.
After SalesFine
Order volumes jumped 35%, merchants order more frequently, and we get paid within 48 hours with zero credit risk.
Merchant · 7-year grocery store
Before
We rejected orders weekly because vendors demanded full payment upfront. It limited how much we could stock.
After SalesFine
Sales grew 40%, stockouts were cut in half, and our Ramadan sales doubled because we could finally stock up for peak demand.
For merchants
Everything your business needs, in one app
Build credit, unlock higher limits
Consistent repayment builds a verifiable credit profile. Stronger profiles become eligible for higher limits and longer terms.
Cashback on eligible purchases
Earn cashback on eligible vendor payments, credited to your SalesFine wallet. Eligibility rules are published in the fee schedule.
Scan and pay any invoice
Scan a supplier invoice and settle it with SalesFine Credit, mada, Apple Pay or your wallet balance. Paperless, with instant confirmation.
Multi-branch and role controls
Run every branch under one organisation, and assign roles. Invoice creator, reviewer, payment approver, report viewer, so payments follow your approval chain.
Reports your accountant will accept
Download VAT returns, payment history and transaction logs whenever you need them, for bookkeeping and reconciliation.
How it works
Five steps, all from your phone
Apply from your phone, fully digital, no branch visit, no collateral.
Download and verify
Sign up with your phone number, authenticate through Nafath, and upload your commercial registration, VAT certificate and recent bank statements.
Get a fast credit decision
Our credit engine reads verified government and bureau data to set a limit, up to SAR 500,000, subject to eligibility. How quickly you get a decision depends on how complete your documents are and how fast they can be verified. You see the limit, the fees and the terms before you accept anything.
Browse vendors and place the order
Compare suppliers in the app, scan the invoice, and choose Buy with Credit. The full cost and repayment schedule are shown on the confirmation screen.
Vendor is settled instantly
SalesFine settles the invoice with the vendor within two business days and takes on the repayment risk. No follow-up, no collections, no KYC burden for the vendor.
Repay on schedule and grow your limit
On-time and early settlements build your SalesFine score, which unlocks higher limits over time. Early settlement is available, see your agreement for details.
SalesFine Calculator
Work out the cost
See exactly what the merchant pays and what the vendor receives.
Are you a vendor or a merchant?
This only decides which figure is shown first. Both sides are always displayed.
SAR
SAR 10,000
SAR 1,000,000
Service fee is carried by
Unlike card or POS financing, the cost of credit does not have to fall on the buyer. The split is agreed in your contract.
Repayment period
Instalment plan
Contact us
Important
This calculator gives approximate figures only. Your actual credit line, rate and repayment terms are decided after a full credit assessment, a review of the documents you provide and our own credit studies, and they are confirmed in the agreement you sign. Nothing shown here is a credit offer or financial advice. Financing is subject to eligibility and affordability checks.
Total received by the
vendor
SAR 100,000
Total payable by the
merchant
SAR 106,900
The merchant pays, per month
SAR 35,633
Instalment due
Amount
Track record
Backed by national programmes
Backed by
Questions
Frequently asked questions
Pricing answers are also published in full in the fee table above. You never have to open an accordion to find out what something costs.
Is SalesFine licensed by SAMA?
SalesFine operates under the Saudi Central Bank Regulatory Sandbox, which permits testing under supervision.
Who can apply?
Businesses registered in Saudi Arabia with a valid commercial registration and VAT certificate. SalesFine is a B2B-only product. It is not available to consumers.
What happens if I miss a payment?
We contact you before the due date and again if a payment is missed. Missed payments may reduce your credit limit, are reported to SIMAH,.
What data do you collect, and can I withdraw consent?
We collect what is needed to verify your business and assess credit, identity, commercial registration, VAT, bank details and transaction history. Each purpose is consented to separately, and consent can be withdrawn at any time from your account settings, subject to legal record-keeping obligations.
Is the financing paid out in cash?
No. SalesFine financing is used only to purchase goods from approved suppliers through the app.
My supplier isn't on SalesFine. Can I still use it?
Ask us to add them. Merchants can request any supplier from inside the app, and our team onboards them. Suppliers join quickly when a customer wants to pay through SalesFine.
How do I complain if something goes wrong?
You can submit a complaint by calling our Customer Care line or emailing us. We will acknowledge your complaint within 48 business hours. If you are not satisfied with the resolution, you may escalate your complaint to the Saudi Central Bank.
Get started
Talk to us
Tell us whether you are a merchant looking for credit or a vendor looking to sell more. We reply within one business day.
Direct channels
- Customer care: 920031381
- General: info@salesfine.co
- Office: Al Urubah Rd, North Maathar, Riyadh, Saudi Arabia
- Hours: Sunday–Thursday, 9:00–17:00 AST
Download the SalesFine app
Apply, browse suppliers, pay invoices and track every instalment from your phone.
