# Nayla Finance Company

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/nayla-finance-company

- Industry: Financial Services
- Headquarters: Riyadh, Saudi Arabia
- Website: www.naylafinance.com
- Total disclosed funding: $4M
- Latest round: Seed (Mar 23, 2025)
- Investors on record: 1

## About

Based in Saudi Arabia, Nayla Finance Company operates as a B2B digital microfinance provider. The company offers Sharia-compliant working-capital financing, automated credit assessment, and tailored repayment solutions for micro-enterprises, sole proprietors, and freelancers.

Based in Riyadh, Saudi Arabia, and incorporated in 2024, Nayla Finance Company provides digital microfinance for the Kingdom’s underserved micro-enterprise sector. Developed through Sanabil Venture Studio with founders Shaqran Alyahya and Khalid Naili, the company received its Saudi Central Bank microfinance license in April 2025 and commenced operations in May 2025. Nayla Finance Company later completed a USD 4 million seed round and, in September 2026, closed USD 17.9 million of combined pre-Series A equity and debt financing. As of September 2026, the company is led by CEO Shaqran Alyahya.

The company works with Saudi micro-enterprises, sole proprietors, and freelancers to provide Sharia-compliant digital financing of up to SAR 200,000 for operations and working-capital needs. Customers complete an online application, after which Nayla Finance Company’s cloud-based platform and proprietary credit engine evaluate alternative data to assess eligibility and risk. Approved funds are transferred directly to the business account, with repayment periods of up to 12 months. Product, risk, operations, collections, sales, and support staff maintain the offering for clients across retail, food and beverage, beauty, e-commerce, logistics, and personal services.

Nayla Finance Company generates revenue primarily through financing fees associated with the capital provided to its SME clients. The transaction structure typically involves direct loans where SMEs receive funds directly deposited into their accounts upon approval. Revenue is derived from the interest on these loans as well as any associated administrative fees. Nayla Finance Company aligns its pricing with a risk-based approach, meaning that financing rates are determined based on the applicant's credit score and risk category, which in turn influences the overall cost of borrowing for the client. By focusing on providing quick access to funds, Nayla Finance Company creates a transactional environment that emphasizes efficiency and customer satisfaction, thus fostering repeat business among its clientele.

The company will use the September 2026 funding to expand its financing availability for micro-businesses, enhance its credit technology platform, and enter additional customer segments.

## Funding rounds

- Seed, Mar 23, 2025, $4M — Sanabil Investments

## Investors

- Sanabil Investments (https://capitalatlas.ai/funds/sanabil-investments) — Seed