A new case study from Misk Hub highlights how Saudi FinTech IBEA is solving one of the most critical challenges for SMEs: cash flow. The company’s payment acceleration platform successfully enabled a mid-sized Saudi supplier to bridge an unexpected working capital gap in a single day, all while generating savings for the buyer. This real-world example demonstrates how IBEA is turning traditional B2B payables into a source of instant liquidity and profitability.
The SME Liquidity Dilemma
The case study outlines a common scenario where a mid-sized supplier, historically reliant on bank credit lines, faced a sudden financing deficit. With operational expenses looming and invoices not yet due, the supplier’s traditional options were slow and costly, involving applications for credit increases or short-term loans.
A Same-Day Solution Without Debt
Instead of borrowing, the supplier used IBEA’s portal to accelerate three approved invoices totaling 327,000 SAR. The platform’s dynamic discounting model allowed the buyer to approve and execute the early payment at an average discount of 3%. The supplier received the full payment (less the small discount) directly from the buyer on the same day, securing operational liquidity without incurring new debt or administrative burdens.
Transforming Accounts Payable From Cost to Profit Center
The solution provided a clear win for the buyer as well. The buyer’s Accounts Payable (AP) department, typically a cost center, was transformed into a source of revenue. By paying its own approved invoices early, the company captured a 3% discount, directly boosting its bottom line. IBEA’s platform automates this process and integrates with existing ERP systems, reducing manual work and strengthening supplier relationships by providing a reliable source of early payment.
Solving a Systemic B2B Payments Challenge
IBEA’s model directly addresses the systemic payment delays in the Saudi B2B market, which often pressure SME cash flow and force suppliers to price in additional risk. By facilitating dynamic discounting, IBEA reduces settlement risk, enables buyers to capitalize on discounts, and enhances the overall reliability of the supply chain. The platform effectively turns approved invoices into a source of on-demand liquidity for suppliers, while converting buyer payables into a cash-generating asset.
About IBEA
IBEA is a Saudi-based financial technology company that provides a payment acceleration platform. The platform connects buyers and suppliers, allowing suppliers to receive early payments on approved invoices at a discount. This provides suppliers with instant liquidity without debt, while enabling buyers to generate savings and revenue from their accounts payable.
Source: Misk Hub
