Stop waiting 90 days. Fund your invoices today.
PEQAL is a digital marketplace connecting Qatari SMEs who need working capital with investors seeking short-term, asset-linked returns — all through a transparent, Shariah-compliant platform built for the Qatari market.
How the platform connects three parties
The cash flow gap every Qatari SME knows
You complete the work, deliver the goods, issue the invoice — then wait. 30, 60, 90, even 120 days. That gap strains payroll, limits growth and forces expensive workarounds.
A clear, governed process from invoice to cash
Select your role to see the full journey.
Register & complete onboarding
Submit your business details for Know Your Business (KYB) verification. Upload trade license, bank details and UBO documentation once — securely stored on the platform.
Submit your invoice
Upload an eligible B2B invoice with supporting documents — purchase order, delivery evidence, contract. PEQAL validates, screens for duplicates and assigns a risk grade.
Invoice listed & funded
Once approved, your invoice opportunity is listed on the marketplace. When fully funded by investors, PEQAL disburses the net proceeds directly to your verified bank account.
Register as a qualified investor
Complete investor KYC and suitability assessment. Provide your financial profile and investment objectives. Only qualified, verified investors access the PEQAL marketplace.
Browse & fund opportunities
Review verified invoice opportunities by risk grade, sector, tenor and obligor. Commit to single invoices or build a diversified portfolio. Full disclosure pack provided for every listing.
Receive principal & yield
On maturity, PEQAL collects from the invoice payer, applies the settlement waterfall and distributes your principal plus return directly to your account — with full reporting throughout.
Two audiences. Two sets of real benefits.
PEQAL is a liquidity solution for SMEs and a yield solution for investors — both grounded in verified receivables.
Get cash against your invoices
Receive working capital against approved B2B invoices in 24–48 hours, not 90 days
Reduce reliance on overdrafts, informal funding and shareholder loans for working capital
Fully digital workflow — upload, track and manage all invoice submissions in one place
Once onboarded, submit future invoices with minimal friction as a repeat user
Earn yield on verified receivables
Access short-duration (30–120 day) asset-linked investment opportunities in the Qatari market
Diversify across multiple SMEs, obligors and sectors to manage portfolio concentration
Full transparency on risk grade, obligor profile, tenor and expected return before committing
Structured reporting and settlement administered by PEQAL throughout every transaction
Built for businesses with recurring B2B invoices
PEQAL focuses on six sectors with predictable invoicing cycles, clear documentation and verifiable receivables.
Contracting
Project-based businesses invoicing corporate and government buyers on milestone completion
Facility services
Cleaning, maintenance, security and support services under recurring B2B contracts
Logistics
Transportation, delivery, warehousing and supply chain businesses invoicing regularly
Wholesale trade
Bulk goods sold to businesses operating on standard invoice-based payment terms
Business services
Staffing, consulting, outsourced support and professional services provided to companies
Medical distribution
Medical products, equipment and healthcare goods supplied to hospitals and clinics
Governance and transparency at every step
PEQAL is being built with compliance, investor protection and operational discipline as core design principles — not as afterthoughts.
Shariah-compliant
Platform structure designed around a Murabaha-Wakala hybrid model, reviewed by a qualified Shariah advisor
License application in progress
PEQAL is pursuing a crowdfunding license under Qatar's fintech regulatory framework. No investment activity is offered until licensing is confirmed
Client money controls
Segregated investor funds, maker-checker disbursements and a documented settlement waterfall for every transaction
Transparent reporting
All investors will receive structured risk disclosures, risk grades and regular portfolio performance reports on every transaction
The people building PEQAL
A Qatar-based founding team combining finance, technology, and legal expertise — backed by recognition from the Qatar Central Bank challenge and Hackathon Wave 5.
Be among the first on PEQAL
We are currently in pre-launch phase, building our platform and pursuing our regulatory license. Register your interest now — we will contact you when we are ready to onboard.
Get your invoices funded
Access short-term working capital against eligible B2B receivables in Qatar. Register now and get early access when we launch.
Earn yield on receivables
Invest in short-duration, asset-linked opportunities in the Qatari market. Register your interest and be first to access the marketplace.