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Delayed Payments Are Holding Saudi SMEs Back: How Invoice Financing Can Help
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#1 Invoice Financing Solution
Smarter Capital.
Faster Growth.
Get Shariah-compliant financing against your invoices, fully digital, no paperwork, no delays.
No collateral required (Promissory Note + Kafalah model)- Instant quotes on pre-approved invoices
- Disbursement in days, not weeks
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Working capital made simple
Fast, Flexible SME Financing
Secure the funding you need in just a few clicks. Himma’s platform gives you fast access to Shariah-compliant working capital so you can keep your business moving without delays or paperwork.
Create Account
Create Account
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Free up cash flow when you need it most.
Finance your approved invoices without waiting for customer payments.
Grow without compromising your principles.
All financing is structured around ethical Murabaha contracts.
Built to fuel Vision 2030.
Supported by Saudi Arabia’s SME agenda and Kafalah guarantees for easier access to capital.
No paperwork or delays, just fast online financing.
From submitting invoices to receiving funds. No queues, no manual forms, just a smooth digital journey.
Full pricing clarity before you sign your quote.
Every financing quote includes clear terms, profit rate, fees, and maturity. What you see is what you get.
Build for Modern Business Financing
Manage your financing, track invoices, and access funds. Everything you need, all in one place.
Features
Pre-Approved Invoice Financing
View and accept financing offers on eligible invoices from your dashboard.
Zero paperwork, real-time status, and instant decisions.
Features
Pre-Approved Invoice Financing
Eliminate delays by tapping into ready-to-go financing on approved invoices.
Instantly compare and choose offers that match your needs
Skip lengthy application forms with pre-verified eligibility
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Features
Real-Time Loan & Credit Overview
See how much credit is available, how much you’ve used, and your repayment timeline presented with visual clarity and summaries.
Features
Real-Time Loan & Credit Overview
Know your exact borrowing power at any moment
Avoid missed deadlines with upcoming repayment alerts
Visual dashboards simplify financial decision-making for your team
Features
Instant Quote & Contract Downloads
Get instant quotes based on your submitted invoices, review detailed terms (tenure, APR, fees), and download full contracts on the spot.
Features
Instant Quote & Contract Downloads
Transparent quote generation with clear Shariah-compliant terms
Contracts are accessible anytime for compliance or legal reviews
Move fast with downloadable, ready-to-sign digital agreements
Features
Automated Request Tracking & Status
Track all requests across statuses: in progress, approved, declined. Get reasons for decline and request clarifications easily.
Features
Automated Request Tracking & Status
Never wonder where your request stands—status is always visible
Clear decline reasons help you resolve and reapply quickly
Reduce back-and-forth emails with built-in workflow automation
Ready To Get Started?
Sign up now to access your financing dashboard.
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How To Apply
Himma gives you instant financing on unpaid invoices no paperwork, no repayment. We collect from your customer when it’s due.
Step 01
Submit Eligible Invoices
Upload one or more unpaid customer invoices.
Our system checks if they qualify instantly.
Step 02
Review Your Loan Offer
See your funding offer with all key details:
Loan amount, fee, APR, and all contract terms.
Step 03
Accept & Get Funded
Accept the offer and sign your agreement.
Funds arrive in your bank within 24 hours.
Step 04
Track Your Funding
View invoice status and payment progress.
Everything is managed in your dashboard.
Ready To Get Started?
Sign up now to access your financing dashboard.
Create Account
Create Account
Start for Free
Frequently Asked Questions
What type of businesses can apply for invoice financing on Himma?
SME suppliers operating in Saudi Arabia that issue invoices to approved corporates can apply for invoice financing on the Himma platform.
Do I need to submit paperwork to get financed?
No. If your invoices are pre-approved and synced from the corporate’s system, financing offers appear automatically on your dashboard without the need for paperwor
How fast can I get funds after accepting an offer?
Funds are typically transferred to your business account within 24 hours of accepting and signing the contract.
Does Himma require personal guarantees or collateral?
No personal guarantees or collateral are required. Approval is based on your relationship with a pre-approved corporate buyer.
How does Himma determine my loan offer?
Loan amount, tenure, fees, and APR are based on the value and terms of your invoice, as well as the payment behavior of the corporate buyer.
Do I need to repay the loan myself?
No. Himma collects the full invoice amount directly from the corporate buyer, so you don’t need to worry about repayments.
What sectors does Himma support for financing?
Himma supports SME suppliers across sectors like construction, healthcare, retail, logistics, and more—especially those facing long payment cycles.
How do I view available financing offers?
Once your account is validated and you’re connected to a corporate partner, you’ll see pre-approved financing offers on your Himma dashboard.
Can I access multiple loans at once?
Yes, as long as your invoices are eligible and pre-approved by the platform, you can access financing for multiple invoices simultaneously.
What’s the first step to getting financed through Himma?
First, create your account, complete the validation process, and ensure your invoices are linked to a participating corporate on Himma.
Himma Financing
Company Under the Supervision and control of The Saudi Central Bank (SAMA). Under license No. XXXXX
The capital is 15M Saudi Riyals.
Commercial Registration No: 1010831460. Unified No: 7031147122. Tel. +966556630382
King Khaled Road, Hittin District, Riyadh, Kingdom of Saudi Arabia.
Company Under the Supervision and control of The Saudi Central Bank (SAMA). Under license No. XXXXX
The capital is 15M Saudi Riyals.
Commercial Registration No: 1010831460. Unified No: 7031147122. Tel. +966556630382
King Khaled Road, Hittin District, Riyadh, Kingdom of Saudi Arabia.
Ready To Get Started?
