GCC’s First B2B Buy Now, Pay Later Platform
Fatra gives businesses instant access to zero-interest financing — while suppliers receive guaranteed payment within 2–4 working days. No interest. No bank visits. Just growth.
Installment 3 of 6
Fatra — 0% interest
KWD 463
On timeVerified Suppliers
Trusted supplier network across key sectors in the GCC
Zero interest. Zero hassle. Infinite growth.
Fatra’s B2B BNPL removes the biggest barrier to business growth — cash flow. Purchase what you need today, repay on your schedule, with absolutely zero interest charged.
Built for the pace of modern business
0%
Interest charged on all business financing
2–4 days
Guaranteed supplier payment window
6 months
Maximum repayment period
Interest-free loan facility
Fatra's BNPL offers zero-interest financing to SMEs for short-term supplier purchases. You only repay the invoice value — not a fils more, ever.
Zero % interest rate
Repay only the invoice value
Instant onboarding & financing
SMEs onboard entirely online — upload your documents, submit your application, and get a decision without setting foot in a bank or lender's office.
Fully digital process
No physical presence required
Proprietary credit assessment
Fatra's tailored credit model is built specifically for our BNPL product. Your score is determined by both financial and non-financial standing — giving more businesses a fair chance.
Unique credit methodology
Financial & non-financial scoring
Seamless online transactions
Eligible SMEs can purchase digitally from Fatra's partner supplier network using BNPL financing — effortlessly and without any manual paperwork.
Digital supplier payments
Effortless BNPL purchasing
Suppliers: sell more, risk nothing
When your buyer uses Fatra, you get paid directly — in full — within 2 to 4 working days. No chasing invoices. No credit risk. No exposure to buyer defaults.
Guaranteed invoice settlement
Zero supplier-side risk
What our users say
Fatra gave us the breathing room we needed. We stocked up on inventory before our peak season without touching our working capital — and paid it back in easy installments.
Ahmad Al-Rashidi
Owner, Al-Rashidi Trading Co.
Getting paid within 3 days of uploading our invoice was a game changer. We used to wait 60–90 days. Now our cash flow is predictable and we can plan ahead with confidence.
Layla Hassan
Finance Director, Greentech Supplies
The entire process was digital — no bank visits, no paperwork back and forth. We were approved and had our first order financed within the same week we registered.
Mohammed Al-Farsi
Co-Founder, Gulf Retail Group
As a supplier, I was skeptical at first. But Fatra settled every invoice on time, every time. We've onboarded three more clients through the platform since.
Sara Al-Muqrin
CEO, Prime Packaging LLC
The 0% interest model is what sold us. We expanded our product line without taking on expensive debt. Fatra genuinely understands how businesses like ours operate.
Khalid Nasser
Managing Director, Nasser Industrial
We've been supplying to businesses across the GCC for years and cash flow was always a challenge. Fatra changed that completely — we get paid fast and focus on growth.
Fatima Al-Zahrani
Operations Director, Al-Zahrani Group
I didn't expect the approval to be this fast. Within days we had financing ready and our supplier was paid. No collateral, no bank meetings. Just a smooth digital process.
Omar Bin Saud
Founder, Saud Logistics
Fatra has become a core part of how we manage procurement. The installment structure aligns perfectly with our revenue cycles — it just makes financial sense.
Nadia Al-Khoury
CFO, Khoury Retail LLC
Questions you might ask
While Fatra will ensure businesses meet the required criteria, the final credit decision rests with the financial institution. However, since Fatra operates with several licensed institutions across the GCC, Fatra will facilitate with an alternative partner if your application is refused by the first.
No. The entire registration and approval process is fully digital through the Fatra platform. You can complete your application, upload documents, and receive approval without visiting any bank or lender's branch.
Yes — from a selected list of domestic and regional partner suppliers available on the business's Fatra account. Our supplier network spans key sectors across the GCC and continues to grow.
No. After registering on the Fatra platform and receiving approval, businesses pay their installments via a secure payment link using their existing bank account. No new bank account is required.
Fatra offers short-term financing, typically less than 6 months. A fraction of the total amount is paid upfront before delivery, with the remainder settled in equal monthly installments — all at 0% interest.
No. Fatra settles your invoice directly within 2–4 working days after upload. As a supplier, you are completely insulated from any business payment disruptions, defaults, or delays. The credit risk is absorbed entirely by Fatra.