Frequently asked questions about supply chain financing

Find answers to common questions about Manafa's supply chain financing programs, including costs, registration, payment terms, and eligibility.

General questions

Is supply chain financing a loan that adds debt to my balance sheet?

The program allows suppliers to receive early payment on approved invoices. Based on the program structure, this is not classified as debt and is not reported to credit bureaus.

Am I committed to using the service once I register?

No. Using the service is optional. Suppliers can decide whether to request early payment for each approved invoice.

Are there any hidden fees or additional charges?

No. All costs are displayed upfront in full detail before you approve an early payment request.

Is the program Shariah-compliant?

Yes. The program is based on a Shariah-compliant Commodity Murabaha structure.

Which currencies does the program support?

The program supports Saudi Riyals (SAR) and US Dollars (USD).

Are there any registration fees?

No. Registration is free of charge.

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The website is managed by Manafa Debt Crowdfunding Company – a closed joint-stock company – with a capital of 40,000,000 SAR (forty million Saudi Riyals), commercial registration number (1010678388), and unified entity number (7018070537), dated 20/05/1442H, issued in Riyadh.
P.O. Box (13521) – 8373, AlQairawan Dist. Prince Saud Ibn Abdullah Ibn Jalawi.
It is licensed under number (64/أ ش/202211) and is subject to the supervision and oversight of the Saudi Central Bank. Manafa does not offer any investment or advisory products or services beyond those for which it has obtained a license from the competent authority. Neither Manafa, nor its affiliates, employees, or directors provide any express or implied guarantees regarding the adequacy, accuracy, or completeness of the information on the website. Manafa’s role is limited to verifying the proper registration of the entity seeking financing, reviewing financial statements, and other material information, and ensuring that the data presented on the website and its format comply with the Saudi Central Bank’s requirements and are sufficient for participants to make informed decisions. The full responsibility lies with the entity seeking financing.

Part of the participant’s account may include a balanced portfolio of various startup companies. Although participation in debt-based crowdfunding is short-term, the entity seeking financing may encounter difficulties in repaying its debts, making it highly susceptible to default risk


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