BizPey
Empower Your BUSINESS with Instant & Collateral Free Working Capital Facilities
Alterna’s fully digital platform unlocks real-time working-capital solutions for ambitious businesses across the GCC with AI-driven approvals, flexible repayment and zero paperwork.
The Gaps We Are Closing
Cash-Flow Gaps
Late customer payments and upfront supplier costs choke day-to-day liquidity, putting payroll, inventory, and growth plans at constant risk.
Underserved by Banks
Strict collateral requirements and long approval processes cause most SME loan applications to be rejected, leaving many businesses without needed funding.
Manual Financing
Traditional loans require stacks of paperwork, branch visits, and weeks of waiting; delays entrepreneurs can’t afford when opportunities arise.
Uncompetitive
Without timely, affordable capital, SMEs miss bulk-purchase discounts, delay new contracts, and watch larger rivals surge ahead.
How BizPey Works
Seamless Access to capital in four simple steps.
Financial Freedom for SME’s
Apply Online
Fill a short form with your business and financial information — no branch visits and no paperwork.
Fast Credit Decision
Our credit engine reviews real-time cash-flow data and sets your financing limit within hours.
Funds on Demand
Tap “Request for Financing” and the requested amount lands in your account the same day; ready for payroll, suppliers, or growth projects.
Cutomized Repayment
Repayments sync with your receivables schedule, so you pay only when cash comes in — zero hidden fees & zero stress.
BizPey
Benefits
Reduced Cash Cycles
SMEs are often at risk due to extended cash cycles. With Alterna SME, they can reduce outstanding balances and thrive.
Formal Credit Option
Banks and other financial institutions often lack formal credit options for SMEs and apply strict criteria with collateral requirements.
Instant Cash on Need
With pre-approved limits, SMEs can access instant credit on an as-needed basis. This enables informed decisions and lets them seize opportunities as they arise.
Financial Inclusion
With access to these products, SMEs can participate in formal finance and explore growth without worrying about stuck capital.
Web Application
BizPey at your fingertips
Easily accessible and secure portal to request funds, track applications and repay from anywhere, anytime.
Web App
What sets us apart
Purpose built for SMEs
Tailored for Real Business Needs.
Real-time Credit Underwriting
Fairer access, Faster capital.
Embedded Finance Ready
APIs for ERPs, Mobile Interfaces and E-commerce Platforms.
Competitive Pricing
Need Based, Time Bound, No Hidden Costs.
Are You Ready To Start?
Our team is here to help—whether you’re an employer, employee, or just curious about our solutions. Reach out anytime, and we will get back to you promptly.
Frequently Asked Questions
BizPey
What Is The Eligibility Criteria?
Any business that supplies goods/services to large blue-chip companies can avail this service. Eligibility and amount of factoring is decided by the creditworthiness of the business and their past financial history.