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

5.7/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

Company Fintech Financial-Services Lending SME Financing Working Capital Invoice Financing Embedded Finance Revenue-Based Financing Saudi Arabia MENA Sharia-Compliant

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 5.7/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.0 / 20

Access Clarity 0.0 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.7 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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: '0.23'
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
tags_raw:
- 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