POS Financing
Based on your point-of-sale sales history
About this product
A short-term product that relies mainly on the business's sales history through POS devices — the financing is estimated based on the consistency and volume of observed sales.
Nesbah is not a bank or finance company and does not make credit decisions. Our role is to route your request to licensed financing providers in the Kingdom.
01
When it fits your business
- 01
Restaurants and cafés
Boost working capital during seasons.
- 02
Retail and services
Financing tied to daily POS sales.
- 03
Multi-branch businesses
Aggregating a sales record across several devices.
02
How it works with Nesbah
- 01
Run POS regularly
Your device sales are the basis of the review.
- 02
Submit POS statements
Attach the last 6 – 12 months of POS statements.
- 03
Review any available options
If a licensed provider chooses to proceed with your request, it may share an option you can review freely — no obligation.
03
What lenders review
General criteria providers review — specifics differ by provider.
- POS sales consistency and volume over recent months
- How long POS has been in use
- Sector (retail, restaurants, services)
- Age of the commercial registration
- Credit history
04
Documents commonly requested
Indicative list — providers may request more.
- 01Valid copy of the commercial registration
- 02POS statements (typically 6 – 12 months)
- 03Bank statements (typically 6 – 12 months)
- 04VAT returns if applicable
- 05National ID of the owner
05
Tips to strengthen your request
01Provide 12 months of POS statements rather than 3 to strengthen the record.
02Make sure your sales consistently pass through the POS device.
03Keep end-of-day Z-reports where possible.
04Clarify if you have multiple branches or devices.
06
FAQ
How long should my POS history be?
The longer the record the stronger the request; at least 6 months is usually preferred.
Is repayment deducted from POS sales?
Some lenders offer that model — it isn't always mandatory.
Does it cover multiple branches?
Yes, typically — with a clear breakdown of sales per device.
Ready to apply?
One request shared with licensed providers. You may receive options if a provider chooses to proceed. Free, no obligation.