Working Capital Financing

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eCommerce

STC Bank eCommerce is a digital payment solution that enables Merchants to accept credit and debit card payments online through a certified payment gateway, whether via a website or mobile application. The service ensures that every transaction is processed securely and efficiently from start to finish, all within just a few seconds.

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eCommerce

STC Bank eCommerce is a solution that enables Merchants to accept credit and debit card payments online through a certified payment gateway from a website or mobile application. It processes each transaction securely from start to finish, and all in just a few seconds.

Working Capital Financing from STC Bank is a short- to medium-term solution for SMEs, helping businesses manage daily liquidity and cash flow with flexibility while supporting businesses continuity and enabling SMEs to respond to seasonal and cyclical funding requirements.

Terms & conditions
  • Business Vintage must be above 1 year.
  • Revenue must be above SAR 800,000 in the last 12 months.
  •  VAT report for the last 12 months.

Pricing
Management Fees
Payment Frequency
%10 - %17
%1 - %5
Monthly / Quarterly / Semi-Annual / Annually

Finance Calculation

Finance AmountFinance Amount
⃁ 200,000
⃁ 2,000,000
⃁ 10,000,000
Payment Frequency
Monthly
Monthly
Quarterly
Tenor
12 Months
12 Months
12 Months
Pricing
17%
15%
10%
Management Fees
4%
3%
1%
Management Fees Amount
⃁ 8,000
⃁ 60,000
⃁ 100,000
Installment Amount
⃁ 18,135.76
⃁ 179,696.59
⃁ 2,632,177.53
Profit Amount
⃁ 2,648.33
⃁ 23,550
⃁ 221,275.48
Total Financing Amount
⃁ 217,629.15
⃁ 2,156,359.12
⃁ 10,528,710.10

Application Requirements