Mala

Mala is a business-to-business "Buy Now, Pay Later" (BNPL) platform operating in the Middle East and North Africa (MENA) region, with a specific focus on Saudi Arabia. The company provides a service that enables businesses, particularly medium and large enterprises, to procure goods and services without the need for immediate payment. This allows companies to manage their cash flow more effectively.

The business model revolves around facilitating transactions between buyers and sellers. When a business makes a purchase through Mala, the seller receives payment instantly from Mala. The buying business is then able to pay for their purchase at a later date, according to the agreed-upon credit terms. This model positions Mala as a financial intermediary, assuming the short-term credit risk.

Mala's primary clients are businesses seeking flexible financing options for their procurement needs. The platform caters to a growing market for B2B e-commerce and digital payment solutions in the MENA region. By offering a streamlined and efficient way to access credit, Mala addresses a key challenge for many businesses in managing their working capital.

Keywords: B2B, BNPL, procurement, financing, Saudi Arabia, MENA, credit, payments, cash flow, fintech