Flexible B2B financing designed to help you scale — while we handle the heavy lifting of liquidity management for your business.
Your right partner for growth
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Our streamlined 3-step process ensures you get the financing you need — without traditional banking hurdles.
Select products or services from your preferred supplier as you normally would. No changes to your existing procurement process.
Yumna provides instant payment to the supplier, ensuring zero disruption to your supply chain and strong supplier relationships.
Repay Yumna through flexible and easy installment plans tailored to your cash flow cycle — on your terms.
Whether you're a buyer, supplier, or technology partner — Yumna has a solution designed for your specific needs.
Preserve working capital and improve cash flow with flexible deferred payment terms up to 180 days.
Get paid instantly upon order confirmation. Eliminate credit risk and grow your business with confidence.
Integrate Yumna's financing API into your platform and offer embedded finance to your users as a value-added service.
We understand the unique cash flow dynamics across sectors, delivering financing solutions that match how business actually works.
High-volume, fast-moving goods
From farm to restaurant table
Parts, fleet & accessories
Materials, equipment & labor
Medical supplies & devices
IT equipment & software
Inventory & seasonal buying
Equipment & infrastructure
Real results from real businesses that use Yumna to manage their cash flow and grow faster.
"Yumna transformed how we manage cash flow. We can now purchase inventory without tying up capital, and our suppliers love getting paid instantly. Highly recommended for any growing SME in Saudi Arabia."
"The application process was straightforward and the terms are completely Shariah-compliant. Our business has grown 40% since we started using Yumna's B2B financing solution."
"Outstanding service and a platform built for Saudi businesses. The flexibility in repayment terms and instant supplier payments have completely changed our procurement strategy."
Every product we offer is designed in strict compliance with Islamic finance principles and Saudi regulatory requirements. Your business and data are always protected.
All financing products are structured in full compliance with Islamic finance principles, reviewed by our Shariah Advisory Board.
Fully licensed and regulated by the Saudi Central Bank (SAMA), ensuring the highest standards of financial governance.
Bank-grade encryption and security protocols protect all your business and financial data. ISO 27001 certified infrastructure.
Reviewed & certified by Shariah Advisory Board
Regulated by Saudi Central Bank
256-bit SSL encryption & ISO 27001
Supporting Saudi SME growth agenda
Get answers to the most common questions about our B2B financing solutions, eligibility, and how to apply.
Any registered Saudi business with at least 12 months of trading history and a minimum annual revenue of SAR 500,000 is eligible to apply. We serve SMEs across all key sectors.
We offer flexible repayment terms ranging from 30 to 180 days depending on your business profile and financing amount. Terms are tailored to your specific cash flow cycle.
Yes. All our financing products are structured using Islamic finance principles (Murabaha) and have been reviewed and approved by our independent Shariah Advisory Board.
Our digital application takes less than 10 minutes. You will receive a credit decision within 1-2 business days, and funds are disbursed to suppliers on the same day of approval.
No collateral is required for SME financing up to SAR 1 million. For larger financing amounts, we work with you to find the most suitable structure for your business.
Currently, Yumna primarily serves businesses operating within Saudi Arabia. However, we support payments to international suppliers for Saudi-registered businesses.
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Apply in minutes. Get a decision in 24 hours. Access financing that scales with your business — the Shariah-compliant way.