# Erad

**Canonical:** https://apis.io/providers/erad/  
**Website:** https://erad.co  
**APIs profiled:** 0

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.

## Kin Score — 5.7 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 5.7).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Erad Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/erad/). Scores are computed from the provider's own public artifacts under a published rubric.