Contractor early payment program · KSA
Bridging construction and finance.
siola runs a contractor early payment program for Saudi construction — approved invoices are verified and paid early through licensed financing partners.
The problem
Construction SMEs deliver the work, then wait.
Payment terms stretch 120 days or longer. Banks underwrite balance sheets, not receivables — so the businesses doing the work run out of cash.
siola connects approved invoices to capital partners — automating verification, tracking, and settlement so the businesses doing the work get paid the moment work is verified.
How it works
From approved invoice to settlement in three steps.
One platform for anchors, suppliers, and capital partners — verified, tracked, settled.
Upload & verify
The anchor confirms the approved invoice — it becomes a verified asset.
Funded fast
Licensed financing partners advance against the receivable. The supplier is paid in days — non-recourse.
Settle on cycle
The anchor settles directly with the capital partner on the due date. Secured, contractual.
Who it's for
One platform, three sides — everyone wins.
Cash now
Paid in days, not months.
- ✓Non-recourse, no new debt
- ✓Priced off the anchor's credit
- ✓Onboard with Nafath in minutes
Stronger chain
Suppliers stay solvent, projects stay on schedule.
- ✓Off-balance-sheet program
- ✓Fewer delays, less rework
- ✓Full visibility on the chain
De-risked exposure
Short-tenure, anchor-backed, verified exposure.
- ✓Backed by established buyers
- ✓Self-liquidating, repeatable
- ✓Shariah-compliant structure
Security & compliance
Built to institutional standard.
Structured, verified, and secured end to end.
Shariah-compliant funding
Funding is provided by SAMA-regulated, Shariah-compliant partners under a certified Commodity Murabaha structure.
KYC by Nafath
Government-grade identity and onboarding on every user.
KSA data residency
100% Kingdom-hosted infrastructure, NDMO & NCA aligned.
The siola promise
We verify the work, secure the payment, and protect every party.
Contact
Get in touch.
Tell us how you fit and we'll be in touch within two business days.
Put your contractors on siola.
For anchors, suppliers, and financing partners.