Embedded B2B BNPL
Allow customers to buy now and pay across flexible terms. Merchants get paid upfront.
- 30 / 60 / 90-day terms
- Instant approvals
- Embedded checkout
- Automated collections
Business capital for Saudi SMEs — in hours, not weeks.
Yumna delivers embedded B2B financing, AI-driven underwriting, and flexible payment terms built for real trade activity across the Kingdom.
SAR 30M+
Loan Book Deployed
Active financing across verified Saudi merchants and SMEs.
62+
SMEs Onboarded
Across industrial, wholesale, and consumer sector.
All financing is fully Shariah-compliant and structured for GCC regulatory standards through CMA approved fund.
Flexible B2B financing built for modern commerce.
Yumna enables merchants, distributors, and SMEs to access working capital faster — without traditional bank friction.
01
Flexible Payment Terms
Offer buyers 30, 60, or 90-day terms. Merchants receive payment upfront.
02
Faster Working Capital
Unlock cash tied in receivables and inventory cycles within hours.
03
Scalable Without Banks
Grow operations without collateral-heavy approval processes.
Products
Three financing products. One embedded platform.
Invoice & Trade Financing
Unlock capital tied up in receivables and outstanding invoices.
- Fast funding
- Dynamic credit limits
- SME-focused underwriting
- Real-time activity analysis
Dealer & Distributor Financing
Enable wholesale buyers to access inventory financing without disrupting supplier cash flow.
- Inventory-backed credit
- Distributor-first structure
- Supplier cash flow protected
- Scalable credit lines
Credit decisions built on real business activity.
Traditional lending relies on static financials and collateral-heavy approvals. Yumna evaluates live signals from your actual operations.
Faster decisions. Smarter risk. No unnecessary friction.
Transaction Activity
Volume, frequency, and counterparty patterns assessed in real time.
Repayment Behaviour
Historical patterns weighted dynamically for each applicant.
Invoice Flows
Receivables and payables cycles mapped for credit sizing.
Live Commerce Signals
Platform-connected data reflecting current business momentum.
How it works
From application to capital — in four steps.
Yumna's onboarding is fully digital. Most businesses receive a financing decision within hours.
Step 1
Apply Online
Complete onboarding digitally in minutes. No branch visits required.
Step 2
Get Assessed
Our underwriting engine evaluates your business activity and transaction patterns.
Step 3
Receive Financing
Get approved limits and flexible payment terms tailored to your business.
Step 4
Scale Your Business
Purchase inventory, pay suppliers, and grow operations with confidence.
Technology
AI-powered infrastructure for B2B trade.
Yumna's platform is built for scale — combining intelligent credit decisions with automated operations across the full financing lifecycle.
AI Underwriting
Dynamic credit scoring from live business signals.
Fraud Detection
Behavioural and transactional anomaly monitoring.
Automated Collections
Intelligent repayment scheduling and recovery flows.
Risk Monitoring
Continuous portfolio surveillance and early-warning alerts.
Ready to unlock working capital?
Whether you're a growing SME, distributor, or commerce platform — Yumna delivers fast, flexible financing designed for real trade activity.
For SMEs & Merchants
Access working capital and offer flexible payment terms to your buyers — without bank delays.
For Distributors & Platforms
Embed financing into your trade flows and unlock inventory credit for your dealer network.
For Institutional Partners
Deploy capital into a high-performing, Shariah-compliant SME loan book with proven returns.