SILQ Secures $100M Financing to Scale Fina’s Embedded Finance Infrastructure for SMEs

Quick Summary

SILQ has secured $100 million in financing to scale its embedded financing platform, Fina. By integrating liquidity directly into B2B digital workflows, SILQ enables over 300,000 merchants across the Gulf and South Asia to access working capital seamlessly, solving critical liquidity challenges for growing SMEs.

How does SILQ solve liquidity challenges for SMEs?

SILQ addresses the primary hurdle for modern businesses - access to capital - by moving away from traditional siloed banking. Through its platform, Fina, the company provides embedded financing that operates within the existing digital tools merchants use for inventory and operations. This approach ensures that working capital access is faster and more relevant to actual business cycles.

• SAR 1.5 billion in financing facilitated over the last 12 months.
• Targeting SAR 3 billion in liquidity deployment for the current year.
• Supports a network of 50,000 Saudi businesses within a larger 300,000-merchant ecosystem.

What results has the SILQ ecosystem delivered?

Since the merger of Sary and ShopUp in 2025, SILQ has transformed from a simple commerce layer into a connected financial infrastructure. The platform has successfully enabled more than SAR 20 billion in total transaction volume. By combining digital operations and payments, SILQ provides a unified environment where businesses can start, transact, and scale without leaving their primary workflow.

Why are investors backing embedded financing in the Gulf?

The $100 million milestone, backed by Fasanara Capital, Gemcorp Capital, and Amwal Capital Partners, signals a massive shift in B2B commerce evolution. Investors are increasingly confident in embedded financing as the next logical step for the Saudi Arabian business economy. This capital injection will specifically accelerate the expansion of Fina’s financial infrastructure across high-growth markets in the Gulf and South Asia.

FF NEWS TAKE:

SILQ’s $100M raise definitely moves the needle by proving that embedded financing is no longer a niche feature but the backbone of B2B commerce. By integrating working capital access directly into the merchant's operational flow, SILQ is effectively bypassing traditional lending friction. This is a significant win for the Saudi fintech ecosystem and a clear indicator that the future of SME growth lies in invisible, workflow-integrated finance.