Faster Payment for suppliers
Higher margins for buyers

Liquable enable suppliers to receive early payments on their invoices in exchange for a discount, while allowing buyers to earn better margins by utilizing their liquidity to pay suppliers ahead of schedule.

No. Liquable operates on a dynamic discounting model, not lending. No Debt: Suppliers receive their own money early, directly from their customer. No Promissory Notes: The process requires no additional credit due diligence, and no promissory notes.

Yes. The platform facilitates early payment discounts (trade discounts).

Primarily, it gives you access to cash without incurring debt. Instead of waiting 30, 60, or 90 days, you can offer a small discount to your customer and receive funds almost immediately. Beyond funding, it improves your financial health by shortening your working capital cycle and helping you avoid ECL (Expected Credit Loss) provisions on aging receivables.

Liquable helps you maximize the return on your cash without taking on additional risk. While rates vary based on supplier size and needs, buyers can generally estimate returns higher than 9% annually (APR), which is significantly higher than term deposits.

The discount rate is market-driven and collaborative. It is initially proposed by the supplier but can be counter-offered by the buyer until a mutual agreement is reached. Generally, the rate settles somewhere higher than a term deposit return but lower than a standard loan rate, ensuring value for both parties.

Nothing. Liquable is a buyer-led initiative; suppliers consume the basic service free of charge.

For Suppliers: Early payments increase your cash balance and reduce your trade receivables without impacting liabilities. This shortens your Days Sales Outstanding (DSO). For Buyers: It utilizes to reduce Accounts Payable, improving profit margins through the captured discount.

By offering early payments, you ensure your suppliers are financially stable without forcing them to take on external debt. A liquidity-rich supplier is more reliable and better equipped to meet your delivery demands.

Registration is fully digital through our platform. Once you register and complete your profile, you will be required to download an authorization letter. This letter must be attested by the Chamber of Commerce and re-uploaded. This step is essential to ensure that all participants on the platform are legally authorized to negotiate on behalf of their entities.

While timelines can vary between entities, 3 business days is a standard timeframe from the initial offer stage to the actual payment date.

Offers are generated based on approved invoices. We rely on basic invoice details: Invoice ID, Value, Issue Date, and Due Date. We do not require granular line-item details (such as material type or quantity). This data is captured seamlessly via integration with the Buyer’s ERP or through Excel upload.

Strict privacy controls are in place. Your data is visible only to authorized users within your entity. Suppliers can only view their own respective details and invoices.

All data is hosted and processed within Saudi Arabia on Google Cloud infrastructure, ensuring full compliance with local data residency and cybersecurity regulations.