Minimal Collateral Requirements
Get Funded
Seamless Purchase Order Financing for Your Business
Access fast and flexible financing solutions that help your business fulfill purchase orders and grow with confidence.
Get FundedWhy Finance with TAL?
Get fast, flexible financing designed to support your business growth.
Operational Expense Financing
Tailored Credit Limits
Stronger Supplier Relationships
Fully Digital Experience
Apply For Fast, Easy Funding
1Create Your Account
2Funding Application
3Review & Approve The Opportunity
4Contracting & Securing Purchases
Eligible Businesses For Financing
See if your business meets the financing requirements.
Active Business Operations
The business must have been operating in Saudi Arabia for at least two years.
Valid Commercial Registration
Business Bank Statements
Provide business bank statements for the last 6 months.
VAT Registration Certificate
Previous Supplier Relationship
The business must have a previous purchasing history with the supplier for the products to be financed.
Minimum Annual Revenue of SAR 1 Million
Frequently Asked Questions
What Are the Steps to Apply for Financing for SMEs?
You can register your business, complete the financing application form, and upload all required documents and information. Once the application is complete, it will be reviewed by our credit team, which will decide whether to approve or reject the request. If approved, the financing opportunity will be published on the platform.
Who Can Apply for Financing?
Any company or establishment based in the Kingdom of Saudi Arabia may apply for financing, if it has a valid Commercial Registration (CR), at least two years of operating history, and a business plan demonstrating a clear growth strategy and vision.
What Are the Minimum and Maximum Financing Amounts?
The minimum financing amount is SAR 50,000, while the maximum financing amount is SAR 7,500,000.
How Long Does It Take to Review a Financing Application?
The credit assessment and approval decision are completed within 72 hours after all requirements have been fulfilled.
What Guarantees Are Required to Obtain Financing?
The primary guarantees include a promissory note issued by the financing applicant along with guarantees from the business owners. Additional guarantees may be requested depending on the nature and risk assessment of the application.
How Does the Financing Process Work?
The applicant submits a financing request and uploads a quotation for the required goods or products through the platform. Tal then verifies the request and proceeds with purchasing the goods from the supplier, after which the goods are sold to the financing applicant under a Murabaha financing structure.
What Happens If the Required Funding Amount Is Not Fully Covered?
If the financing opportunity is not fully funded, the invoice will be cancelled and all funds will be returned to the participating investors.
Are Newly Established Companies Eligible for Financing?
No. To qualify for financing through Tal, a business must have been operating for at least two years and have annual sales of no less than SAR 1 million.
What Happens If the Financing Applicant Delays or Defaults on Repayment?
Tal will enforce the guarantees provided by the beneficiary directly through the Enforcement Courts and take all necessary legal actions in accordance with the regulations and instructions issued by the Saudi Central Bank.
What Happens to Investors' Funds If the Required Financing Amount Is Not Reached?
In this case, the financing request submitted by the financing applicant will be cancelled, and all funds received from participating investors will be refunded.
What Fees Does Tal Charge Financing Applicants?
Tal charges administrative fees ranging from 2% to 3% of the financing amount, in addition to the agreed financing cost.
Is There a Specific Timeline for Collection Procedures?
There is no fixed timeline for collection procedures. If a financing applicant delays repayment, Tal will initiate enforcement of the provided guarantees and take the necessary actions to recover the outstanding amounts as soon as possible.