Finance that moves with you.
FinSadiq brings two financing products together. WageFlow gives employees access to pay they have already earned. BizFlow lets small businesses finance the invoices they have raised. Both are fully digital, in English and العربية.
Already a BizFlow customer? Sign in
Terms before you accept
A BizFlow agreement sets out the amount, rate, tenor, maturity and every fee. Nothing is paid until you accept it.
Reviewed by people
Every application, request and advance is checked by the FinSadiq team before money moves.
English and العربية
The business portal works in both languages, right to left included.
Two products, one platform
WageFlow for employees and BizFlow for businesses, run on the same FinSadiq platform.
Our products
One platform. Two ways to move forward.
FinSadiq runs two products, each built for its own customer: WageFlow for employees and BizFlow for businesses.
Keep your business moving when cash flow gets tight.
BizFlow is invoice financing for small businesses in Qatar. Raise invoices, request financing against them, and follow every request from offer to repayment in one portal.
- Finance the invoices you raise. Request financing against an invoice your customer owes you, within the credit limit set for your business.
- An offer you can read. The agreement shows the approved amount, advance ratio, monthly rate, tenor, maturity and each fee before you accept.
- One repayment. Each advance is repaid in a single payment at maturity. You can pay earlier by declaring it in the portal, and we match it to the bank.
- Your books in one place. Invoices, financing, credit limit, payments, documents and reports, with analytics on what you can still draw.
Your money shouldn’t always have to wait for payday.
WageFlow is offered through employers enrolled with FinSadiq. It gives their employees a way to draw on pay they have already earned, and to reach short-term financing, without waiting for the end of the month.
- Earned wage access. Draw on part of the salary you have already earned this month.
- Salary advances and personal financing. Short-term options for needs that are bigger than this month’s earned pay.
- Send now, pay later. Send money to a recipient abroad now and pay it back later.
- Clear about the fee. Each advance carries a fee. VAT is charged on that fee, never on the money you receive.
WageFlow for employees
Your money shouldn’t always have to wait for payday.
WageFlow is offered through employers enrolled with FinSadiq. It gives their employees a way to draw on pay they have already earned, and to reach short-term financing, without waiting for the end of the month.
The fee and VAT are shown in full before you confirm.
BizFlow for businesses
Keep your business moving when cash flow gets tight.
BizFlow is invoice financing for small businesses in Qatar. Raise invoices, request financing against them, and follow every request from offer to repayment in one portal.
- 01
Raise the invoice
Create it in BizFlow for the customer who owes you.
- 02
Request financing
Choose the invoice, the amount and the tenor, and attach the documents asked for.
- 03
Review and decision
The FinSadiq team reviews the request against your limit and approves it, declines it or asks for corrections.
- 04
Accept the agreement
Read the amount, rate, tenor and fees. Nothing is paid out until you accept.
- 05
Receive the funds
The advance is paid to your business account, less any fee deducted at drawdown.
- 06
Repay at maturity
Repay in one payment and declare it in the portal; we match it and close the advance.
Finance the invoices you raise
Request financing against an invoice your customer owes you, within the credit limit set for your business.
An offer you can read
The agreement shows the approved amount, advance ratio, monthly rate, tenor, maturity and each fee before you accept.
One repayment
Each advance is repaid in a single payment at maturity. You can pay earlier by declaring it in the portal, and we match it to the bank.
Your books in one place
Invoices, financing, credit limit, payments, documents and reports, with analytics on what you can still draw.
How it works
From application to financing, in four steps.
The same path for every customer: choose, apply, get assessed, and access financing when you need it.
- 01
Choose your product
BizFlow if you run a business; WageFlow if your employer is enrolled with FinSadiq.
- 02
Apply online
Businesses create an account and complete their profile with details, documents, contacts, a payout account and declarations. Employees join through their employer’s enrolment.
- 03
Get assessed
Our team verifies documents, runs screening and assesses each application. When a business is approved, its credit limit and financing product are set.
- 04
Access financing
Request financing when you need it, accept the terms, and follow it to repayment, all in one place.
The BizFlow portal
See your finances clearly.
What you can still draw, what you owe and when, which invoices are financed, and where each request stands. The portal is built so a business owner can read their position at a glance.
Headroom first
Your credit limit, what is drawn and what you can still draw, on every screen.
Every request tracked
Submitted, under review, approved, disbursed and repaid, each with its own timeline.
Payments you can follow
Declare a repayment with its proof and watch it move from pending to approved.
Why FinSadiq
Financing built around how money actually moves.
Two products, each designed for the person or business using it, rather than one stretched to fit everyone.
Transparent
The amount, rate, tenor, maturity and every fee are in the agreement you accept, not discovered afterwards.
Digital-first
Apply, upload documents, request financing, accept terms and declare repayments online, in English or العربية.
Designed around real cash flow
BizFlow is tied to the invoices a business has raised; WageFlow to pay an employee has already earned.
For people and for businesses
Two products on one platform, each built for its own customer rather than one product stretched over both.
Responsible financing
Clear financing. Clear terms.
Borrowing should be a decision you make with the full picture. These are the commitments the platform is built around.
FinSadiq operates in alignment with Qatar Central Bank (QCB) frameworks. During market entry, lending is provided in partnership with a QCB-licensed bank as lender of record. Credit is subject to eligibility, verification and approval. Fees and terms are shown in full before you confirm. Borrow only what you can repay.
Eligibility is assessed
Every business is verified, screened and assessed before a credit limit is set. Financing is subject to eligibility, verification and approval.
Fees are itemised
Interest, onboarding, servicing and late-payment fees are each set out in a BizFlow agreement, alongside the monthly rate.
Nothing moves without you
No BizFlow advance is paid until you accept its agreement.
Borrow what you can repay
Plan for one repayment at maturity, and repay early if you can. Borrow only what you can repay.
Security
Built to protect financial information.
Lending runs on trust in who is on the other side. These controls are part of how the platform works today.
Controlled access
Every account has a role, and what each role can see and do is enforced on the server, not only hidden on screen.
A tamper-evident trail
Actions on the platform are recorded in an audit log whose entries are chained, so an altered record can be detected.
Screening before financing
Businesses, their owners and signatories are screened against sanctions and watchlists, with adverse-media checks.
Verified documents
Uploaded files are checked for their real type, and our team verifies each document before it counts.
FAQ
Questions, answered.
The short answers about FinSadiq, WageFlow and BizFlow.
FinSadiq is a digital financing platform in Qatar. It runs two products: WageFlow, for employees of employers enrolled with FinSadiq, and BizFlow, invoice financing for small businesses.
The BizFlow business portal works in English and Arabic, including full right-to-left layout. You can switch language before you sign in.
WageFlow gives employees of enrolled employers access to pay they have already earned, along with salary advances, personal financing and a send-now-pay-later option for remittances.
WageFlow is offered through employers. If your employer is enrolled with FinSadiq, you can use it; if not, your employer can ask to join.
BizFlow is invoice financing for small businesses. You raise invoices in the portal, request financing against them within your credit limit, and track each request through to repayment.
You choose an invoice, the amount and the tenor and attach the documents asked for. The FinSadiq team reviews it; if approved, you receive an agreement. Nothing is paid until you accept it.
Businesses in Qatar can apply online. Every application is verified, screened and assessed by the FinSadiq team before a credit limit and a financing product are set.
Pricing is set when you are made an offer. The agreement lists the monthly rate and each fee (interest, onboarding, servicing and late payment) before you accept.
VAT is charged on the WageFlow fee, never on the amount you receive.
In a single payment at maturity, not in instalments. You can repay earlier: declare the payment in the portal with its proof and the team matches it against the bank.
Access is role-based and enforced on the server, platform actions are kept in a tamper-evident audit log, and businesses are screened and their documents verified before financing.
Get started
Ready to move forward?
Businesses can apply for BizFlow online today. Employees get WageFlow through an enrolled employer.