Erad

Erad is a licensed, Sharia-compliant fintech lender providing fast, flexible working capital to small and medium-sized businesses across Saudi Arabia and the United Arab Emirates. Founded in 2022 (Y Combinator S22) and headquartered in Riyadh, Erad offers revenue-based financing, invoice financing (advancing up to 90% of B2B/B2G invoices in as little as 48 hours), and supplier financing to revenue-generating SMEs. The company embeds working-capital products into supplier networks and business platforms, and is backed by investors including Y Combinator, 500 Global, Nuwa Capital, Khwarizmi Ventures, Aljazira Capital, VentureSouq, Oraseya Capital and Joa Capital, alongside debt facilities from Stride Ventures and a $125M asset-backed facility led by Jefferies with Channel Capital.

Erad is profiled on the APIs.io network. Tagged areas include Company, Fintech, Financial Services, Lending, and SME Financing.

Erad’s developer surface includes engineering blog and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.4/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechFinancial ServicesLendingSME FinancingWorking CapitalInvoice FinancingEmbedded FinanceRevenue Based FinancingSaudi ArabiaMENASharia Compliant

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 11.4/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.4 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/erad: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: erad
name: Erad
description: Erad is a licensed, Sharia-compliant fintech lender providing fast, flexible working capital to small and medium-sized
  businesses across Saudi Arabia and the United Arab Emirates. Founded in 2022 (Y Combinator S22) and headquartered in Riyadh,
  Erad offers revenue-based financing, invoice financing (advancing up to 90% of B2B/B2G invoices in as little as 48 hours),
  and supplier financing to revenue-generating SMEs. The company embeds working-capital products into supplier networks and
  business platforms, and is backed by investors including Y Combinator, 500 Global, Nuwa Capital, Khwarizmi Ventures, Aljazira
  Capital, VentureSouq, Oraseya Capital and Joa Capital, alongside debt facilities from Stride Ventures and a $125M asset-backed
  facility led by Jefferies with Channel Capital.
url: https://raw.githubusercontent.com/api-evangelist/erad/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://erad.co/favicon.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Financial Services
- Lending
- SME Financing
- Working Capital
- Invoice Financing
- Embedded Finance
- Revenue Based Financing
- Saudi Arabia
- MENA
- Sharia Compliant
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/erad-domain-security.yml
- type: LLMsTxt
  url: llms/erad-llms.txt
- type: Website
  url: https://erad.co
- type: Blog
  url: https://erad.co/en/blog
- type: TermsOfService
  url: https://erad.co/en/terms
- type: PrivacyPolicy
  url: https://erad.co/en/privacy
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence