Approve SME finance in one session, not several weeks.
Offer SME finance inside the sale itself. Identity checks, bank data and affordability signals arrive as data, not documents. It works for asset finance, equipment and fleet finance, or any facility the lender offers.
Vendor checkout
Finance offered at the point of sale
Light commercial van
Asset finance · 36 months
SAR 168,000
- Banks
- Non-bank lenders
- Asset vendors and merchants
In automotive, retail, and machinery and heavy equipment.
Compressing time and cost to finance, at the point of sale.
Application to decision
Time
From application to an indicative decision in minutes. The inputs arrive as data, so nobody waits for documents.
Cost per file
FallingCost
Entity checks, income evidence and cash flow analysis come through APIs, not analysts. The cost per file falls. Small tickets become viable.
Light commercial van
SAR 168,000
Finance this asset
Decision in this session. No bank portal.
Placement
Origination sits at the point of sale. Approval, contract and asset release happen in one customer session.
Asset finance is the lead case. The same rails run any SME facility.
- Asset finance
- Equipment and fleet finance
- Vehicle and machinery finance
- Other SME facilities the lender offers
The facility, its structure and its credit policy belong to the licensed lender.
Measured on the Tarabut SME financing platform.
0%
more leads for Tarabut Finance
0%
higher lead conversion
0%
less time to finance since integration
The credit file stops being a document pack.
Inputs arrive as data
- Commercial registration and the authorised signatory are confirmed before any credit work starts.
- Consented account and transaction data replaces the bank statement pack.
- Analysts stop collecting evidence. They review exceptions instead.
Today · by hand
- CR document, collected offline
- Signatory proof, emailed
- Audited financials, PDF
- Bank statement pack, printed
- Read and keyed by an analyst
Application to decision: weeks
With Tarabut · by API
- Entity check via Verification APIs
- Signatory confirmed as a response
- Consented transactions via Connect
- Cash flow signals via Income Insights
- Lender policy applied to structured input
Application to indicative decision: minutes
One motion, five moves
- The SME applies inside the vendor’s journey. There is no redirect to a bank portal.
- Verification, consent, decision, contract and disbursement run on one integration.
- Every handover that used to lose applicants is gone.
STEP 1
Apply in place
The SME chooses an asset with the vendor and applies inside the vendor’s own journey.
Embedded SME Asset Backed Finance
STEP 2
Verify the entity
Commercial registration, identity and the authorised signatory are confirmed as data.
Verification APIs
STEP 3
Consent to bank data
The SME gives consent. Account and transaction data flows to the lender as structured input.
Connect
STEP 4
Decision
Bank data becomes affordability and cash flow signals. The lender applies its own policy and returns a decision, limit and price.
Income Insights
STEP 5
Contract and disburse
The offer is accepted and signed in session. Funds settle to the vendor and the asset is released.
Embedded SME Asset Backed Finance
The sale no longer waits for the finance
- Financing no longer happens away from the showroom, after the visit.
- Quote, approval, contract and asset release sit in one customer session.
- The vendor and the lender see the same funnel, including where it drops.
Quote to disbursement
Offline origination
Weeks · applicants lost at every handover
1 Quote·2 Documents·3 Analyst review·4 Decision·5 Disburse
Embedded at point of sale
One session
1 Apply·2 Verify·3 Consent·4 Decision·5 Disburse
Products that power this
Four Tarabut products. One integration.
Your questions, answered
Reach out if we missed yours.
Put the decision where the sale happens.
Tell us about your origination flow. We will map it to your SME finance journey.
Tarabut is licensed for open banking in Saudi Arabia. Open banking licensing is not a lending permission, and nothing on this page implies SAMA endorsement, approval or certification of any lender or product.