We are here to grow with you

We offer instant and seamless financing of up to 100,000 SAR with a maximum term of 6 months, along with a fixed repayment schedule.

Nayla stands out by offering a digital, streamlined, and Sharia-compliant lending experience specifically tailored for SMEs in Saudi Arabia. Unlike traditional banks, our approach is focused on understanding the unique challenges and needs of SMEs, leveraging advanced credit scoring models to offer more accessible and flexible financing options.

SMEs can apply for credit of up to SAR 100,000. This amount is designed to meet the diverse needs of small and micro enterprises, ensuring they have sufficient capital to grow and thrive without the burden of excessive debt.

Our credit scoring system utilizes a blend of traditional financial metrics and modern data analytics to gain a comprehensive understanding of each SME's unique situation. This approach allows for more nuanced and fair assessments, increasing the chances of credit approval for SMEs that might be overlooked by conventional scoring systems.

Applicants need to provide basic business information, financial statements, proof of business registration, and identification documents. Our aim is to keep the process as simple and swift as possible, ensuring a hassle-free application experience.

We prioritize efficiency and aim to complete the credit approval process within a few business days. Our digital platform streamlines the process, enabling quicker decision-making and disbursement.

Currently, Nayla focuses on a wide range of sectors, with a few exceptions based on regulatory and compliance guidelines. We encourage SMEs to contact us directly for specific inquiries about their industry’s eligibility.

We offer a structured repayment plan tailored to each SME's cash flow. Early repayment is possible without additional fees. In contrast, our POS Finance product provides more flexibility in repayment, aligning with the business's sales volume. This approach ensures that repayments are manageable and proportional to the business's revenue.

We employ state-of-the-art security measures, including encryption and strict data protection protocols, to ensure the confidentiality and safety of all client information. Our commitment to data security is paramount in all our operations.

Currently, Nayla serves businesses registered and operating within Saudi Arabia. This focus allows us to tailor our services to the specific regulatory and economic environment of the KSA.

Beyond financing, Nayla offers a suite of support services, including financial advisory, workshops, and webinars focused on business growth and financial management. Our goal is to be a partner in our clients' success, providing resources that extend beyond mere financial assistance.