erad

erad is a regulated financing company that provides short-term capital to small and medium businesses. It addresses cash flow needs such as inventory, payroll, marketing campaigns, seasonal demand spikes, outstanding invoices, and supplier payment terms. Applications are submitted online, and the site includes an indicative estimate calculator where businesses enter annual revenue and industry to see a potential financing amount.

The company offers three financing products: Working Capital Financing with predictable fixed repayments, Receivables Financing that advances cash against outstanding invoices, and Supplier Financing that extends payment terms with suppliers while they are paid immediately. The application process runs in three steps: apply and connect business data securely, receive an offer reviewed by an AI-powered system and credit team, and accept the offer to receive funds in a bank account. Additional capabilities include top-ups for extra funding as needed and financing structured according to Sharia principles based on Tawaruq. erad states it is a regulated subsidiary of the DFSA.

Eligibility criteria listed include at least 12 months in business, annual revenue above a stated threshold, and an active trade license. The site does not publish pricing, plans, or packaging details.