Solutions and Advantages for Buyers
Improve working capital without weakening your supply chain
Credit Plus helps anchor buyers manage supplier payments, extend payable terms where needed, and offer early-payment options without forcing suppliers into cash-flow pressure.
- Reduce reliance on post-dated cheques and manual payment follow-up.
- Keep key suppliers paid early while you preserve or extend your payment cycle.
- Build a stronger, more reliable supplier network with better visibility over invoices.
Invite your suppliers to Credit Plus and choose the right program for each case: bank-funded early payment, purchase finance, or buyer-funded Dynamic Discounting.
- Improve liquidity and working-capital planning without delaying supplier cash flow.
- Strengthen supplier relationships through faster, more predictable payment options.
- Digitize invoice approval, financing, settlement, and reconciliation in one platform.
Reverse Factoring
A bank-funded early-payment program where your approved suppliers can get paid early, while you pay the bank on the agreed due date.
Join Credit Plus through a participating banking partner.
Set eligible suppliers, program rules, and limits for each supplier.
Invite suppliers via email link to start uploading their invoices.
Review and approve the supplier invoice and the deferred payment date.
The bank pays the supplier early, and you settle with the bank on the due date.
Purchase Finance
Finance purchases through banking partners so suppliers receive payment while you manage repayment on agreed terms.
Join Credit Plus through a participating banking partner.
Agree your purchase-finance limit and repayment terms with the bank.
Invite suppliers to submit invoices and supporting purchase documents on the platform.
The bank pays the supplier and you repay the financed amount and fees on the agreed maturity date.
Built for your finance team
Everything your team needs to run a supply chain finance program, in Arabic or English.
One dashboard
Invoices waiting for approval, upcoming and overdue bills, average days payable and limit usage, at a glance.
Your team, your approvals
Add your colleagues with the permissions each one needs. Invoices follow an approval workflow, and everyone sees their own tasks.
Bring suppliers in quickly
Invite suppliers one by one or many at once, and follow who has joined each program.
Know your exposure
See how financing is spread across suppliers and spot concentration before it becomes a risk.
Dynamic Discounting
Turn your early payment into a better return than your bank deposit.
You don't need to finance through a bank. You don't need to wait. If you have idle cash sitting on your balance sheet, Credit Plus lets you put it to work - pay your suppliers early, negotiate a discount in return, and earn more than you would leave it sitting in a deposit account.
Dynamic Discounting is a buyer-funded early payment program. As an anchor buyer, you offer your suppliers the option to get paid before the invoice due date - in exchange for a discount on the invoice value.
No bank financing involved. No external funder. It's your own cash, working harder than it would in a deposit account - while your suppliers get faster access to working capital they're often short on.
The discount rate adjusts automatically based on how many days early the payment is made. Pay 30 days early, get one rate. Pay 10 days early, get a smaller one. The platform calculates this for every invoice, every time.
Earn more from idle cash while helping suppliers get paid faster
You fund it yourself - no bank required
This isn't bank-financed reverse factoring. The capital is yours. You decide which invoices, which suppliers, and how much discount you're offering. No credit committee, no facility approval, no waiting.
You turn payables into a return
Compare the discount return against your bank deposit rate and use early payment where the return is higher.
Stronger suppliers
Your suppliers get faster, more predictable cash flow. That means fewer disruptions in your supply chain, stronger negotiating relationships, and suppliers who prioritize you when capacity is tight.
You stay in control
Every program, every discount rate, every supplier - configured and approved by you. You can run pilots with a handful of suppliers before scaling across your full vendor base.
Calculate your benefit
Here's the comparison that matters: your Dynamic Discounting return vs. your bank deposit rate. Enter your invoice value, discount rate, and deposit rate, and see your net benefit and annualized return in seconds.
A simple buyer-funded early-payment workflow
Set up your program Define eligible suppliers, invoice criteria, and discount terms.
Suppliers opt in They see available early payment offers and choose which invoices to accept.
Discount applied automatically The platform recalculates the rate daily based on days-to-maturity.
Settlement happens on the platform Your account is debited, your supplier is paid early, fully reconciled and synced to your ERP.
Stop leaving your idle cash in a deposit account
Start earning more from it - while helping your suppliers get paid faster.