Working Capital Financing
To cover day-to-day operating expenses
About this product
Working capital financing is a short- to mid-term product used to cover a business's day-to-day operating expenses — salaries, inventory, suppliers — without being tied to a specific asset.
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
Steady operating flow
Bridge liquidity gaps between revenues and expenses.
- 02
Inventory and suppliers
Buy inventory in-season or in bulk to improve cost.
- 03
Payroll and obligations
Keep monthly payroll and obligations running smoothly.
02
How it works with Nesbah
- 01
Submit your request
Select Working Capital inside the Nesbah form.
- 02
Lender review
Licensed lenders review your account activity and history.
- 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.
- Business bank account activity and revenue consistency
- Age of the commercial registration and activity
- Sector and its operational risk profile
- Credit history of the entity and partners
- Availability of operational collateral or Kafalah program support
04
Documents commonly requested
Indicative list — providers may request more.
- 01Valid copy of the commercial registration
- 02Operating bank statements (typically last 6 – 12 months)
- 03VAT returns if applicable
- 04Financial statements or a revenue summary if available
- 05National ID of the owner or partners
05
Tips to strengthen your request
01Keep business revenue flowing through the commercial bank account.
02Use official bank statements issued directly by the bank.
03Avoid large unexplained cash withdrawals during the statement period.
04Briefly explain your working-capital cycle in the application description.
06
FAQ
How is working capital different from corporate financing?
Working capital covers day-to-day operations; corporate financing is broader and can package multiple goals into one structure.
Is an asset pledge required?
Not always — it depends on each lender's policy and can sometimes be supported by the Kafalah program.
How long is the tenor?
It varies by lender. Typically short to mid-term.
Ready to apply?
One request shared with licensed providers. You may receive options if a provider chooses to proceed. Free, no obligation.