Finance with ease. Grow with confidence.
Don’t let cash-flow gaps slow your business down. Buy what your business needs today and pay later through Qawafel’s financing system, powered by Al Rajhi Bank.
Finance with ease. Grow with confidence.
Don’t let cash-flow gaps slow your business down. Buy what your business needs today and pay later through Qawafel’s financing system, powered by Al Rajhi Bank.
Flexible Financing Built for Wholesalers and Suppliers
Simple Financing Process
Submit a financing request for any invoice directly from your Qawafel account — no bank visits, no scattered documents, and no complicated steps.
Simple Financing Process
Submit a financing request for any invoice directly from your Qawafel account — no bank visits, no scattered documents, and no complicated steps.
A Compliant and Trusted System
Generate invoices and purchase orders fully compliant with ZATCA and aligned with Al Rajhi Bank’s financing policies. This ensures faster review times, more accurate decisions, and a higher chance of approval.
Flexible Cash Flow
After approval, your supplier gets paid instantly and you receive your goods right away. Al Rajhi Bank then defines the payout and repayment terms that best fit your business.
A Compliant and Trusted System
Generate invoices and purchase orders fully compliant with ZATCA and aligned with Al Rajhi Bank’s financing policies. This ensures faster review times, more accurate decisions, and a higher chance of approval.
Flexible Cash Flow
After approval, your supplier gets paid instantly and you receive your goods right away. Al Rajhi Bank then defines the payout and repayment terms that best fit your business.
Qawafel Is More Than Financing
Whether you sell, buy, invoice, ship, or apply for financing — every operation works seamlessly inside one unified system that connects commerce, financial management, operations, and collections in a fully integrated experience.
Qawafel Is More Than Financing
Whether you sell, buy, invoice, ship, or apply for financing — every operation works seamlessly inside one unified system that connects commerce, financial management, operations, and collections in a fully integrated experience.
A Financing Ecosystem That Benefits Everyone
Suppliers
Receive your payment after the financing is approved, allowing them to sell on deferred terms without any financial risk or manual follow-up.
Merchants
Get instant liquidity to buy what their business needs now and repay later according to the payout and repayment plan set by the bank.
The Bank
Receive complete, ZATCA-compliant financing files that streamline the review process and speed up disbursement decisions.
FAQs
Is financing available for all merchants and suppliers?
Financing through Al Rajhi Bank via Qawafel is available exclusively for Essential Plan customers. Approval depends on the bank’s credit policies, but Qawafel increases your chances by providing accurate data and fully compliant ZATCA invoices.
Can I submit multiple financing requests at the same time?
Yes. As long as it fits within your credit limit and the bank’s guidelines, you can submit multiple requests and track each one individually through your Qawafel account.
What is the minimum or maximum financing amount?
Financing limits vary based on the bank’s assessment, internal policies, and your business profile.