Procurement Financing
Construction Projects Don't Wait for Cash Flow to Catch Up
Finance your construction material purchases with Watad and keep your project moving without extra pressure on working capital.
The Problem
Project Execution Shouldn't Stop Because a Payment Is Late
Every contractor faces the same equation: the project needs materials today, but there isn't enough cash on hand, and the supplier usually waits for payment before releasing materials from the warehouse. This gap squeezes cash flow, slows growth, and can make purchasing decisions harder than they need to be.
Cash Flow Pressure
Large material orders consume a significant portion of available cash.
Delayed Client Payments
Project milestones don't always line up with supplier payment deadlines.
Limited Credit Lines
Some suppliers reduce or halt credit terms during periods of high demand.
Missed Opportunities
Turning down new projects due to a lack of liquidity limits company growth.
The Solution
Financing Tied to Construction Material Purchases
Watad financing isn't generic financing detached from the purchase itself. It's a solution tied directly to construction material procurement, helping you buy what your project needs while preserving liquidity for payroll, operations, and daily commitments. Built for the needs of contracting companies, not as a generic finance product that doesn't understand how projects work.
What Watad Financing Gives You
Keep the Project Moving
Buy materials exactly when the site needs them.
Preserve Liquidity
Keep cash on hand for payroll, expenses, and project management.
Support Company Growth
Take on more projects without straining available cash.
Simplified Purchasing
Procurement and financing in a single path instead of multiple parties.
Flexible Repayment
Repayment options built around approved commercial terms.
Better Purchasing Power
Finance material purchases while still comparing prices and negotiating competitive offers.
How It Works
Construction Material Purchasing, Simplified
01
Submit Project Requirements or a BOQ
Share the basic details to start the review.
02
Complete the Financing Eligibility Review
A fast process to assess financing potential.
03
Get Approved
Based on your company profile and project requirements.
04
Watad Pays Approved Suppliers
According to the agreed purchasing arrangement.
05
Receive Materials, Then Repay
Under the terms approved for you.
Who It's For
Watad Supports Construction Financing for:
Contracting Companies
Subcontractors
Real Estate Developers
Procurement Teams
Companies Purchasing Materials for Projects
Financing Scope
What You Can Finance Through Watad
Steel
Concrete
Cement
Blocks
Finishing Materials
Electrical
Plumbing
Doors
HVAC
Other Raw Construction Materials
Comparison
Watad Financing vs. Traditional Financing
Feature
Specialization
Integration
Sector Expertise
Scope of Service
Supplier Network
WatadBuilt for Construction
Purpose-built for construction material purchases
Procurement and financing in a single path
Specialists who understand materials and supply chains
Procurement support and financing together
A wide network of verified suppliers
Traditional Commercial Financing
Generic financing, disconnected from the purchase
Financing process separate from procurement
Limited experience in construction
Financing only
Doesn't help you find a supplier
FAQ
Frequently Asked Questions
Who can apply?
Contracting companies registered in Saudi Arabia that meet Watad's eligibility criteria.
What can the financing be used for?
Financing is used for construction material purchases made through Watad.
How long does approval take?
Approval timing depends on the company's profile and the documents required for review.
Does Watad finance labor or equipment?
The solution currently focuses on financing construction material purchases.
Can I use my existing suppliers?
Where suitable, Watad can work with your existing suppliers or provide competitive alternatives from its supplier network.
Is there a minimum purchase amount?
Financing limits and eligibility depend on the company's profile and project requirements.
Ready to Start
Ready to Simplify Your Project's Procurement?
From the first material request to delivery on site, Watad takes chasing suppliers, comparing prices, and coordinating purchases off your plate — all on one clear path.