Frequently Asked Questions
Business Questions
General Questions
What is Oan Finance?
Oan Finance is a digital lending platform that provides Shariah-compliant financing solutions for Small and Medium Enterprises (SMEs) in Saudi Arabia. We offer quick, convenient access to business financing through our digital platform.
What types of financing does Oan offer?
We offer several financing products:
- Working Capital Financing (100,000 - 2,000,000 SAR)
- Business Expansion Loans (500,000 - 2,000,000 SAR)
- Equipment Financing
- Inventory Financing
Who can apply for Oan financing?
Businesses that:
- Are registered in Saudi Arabia
- Have been operating for at least 2 years
- Have minimum annual revenue of 1,000,000 SAR
- Have good credit standing
Application Process
How long does the application process take?
What documents do I need to apply?
Required documents include:
- Commercial Registration
- Tax Registration Certificate
- Last 12 months bank statements
- Financial statements
- Owner's ID
How quickly can I receive the funds?
After approval, funds are typically disbursed within 24 hours to your registered bank account.
Loan Management
How do I make repayments?
Repayments are automatically deducted from your registered bank account on the scheduled dates. You can view your payment schedule in your Oan dashboard.
Can I repay my loan early?
Yes, you can make early repayments. Early repayment fees may apply based on your loan terms.
What happens if I miss a payment?
We recommend contacting our support team immediately if you anticipate missing a payment. Late payment fees may apply, and it could affect your credit score.
Technical Questions
Integration
How do I integrate with Oan's API?
// Quick start example
const OanClient = {
init(apiKey: string) {
this.apiKey = apiKey;
this.baseURL = 'https://api.oanfinance.com/v1';
},
async authenticate() {
const response = await fetch(`${this.baseURL}/auth`, {
headers: { 'Authorization': `Bearer ${this.apiKey}` }
});
return response.json();
}
};
What authentication methods are supported?
We support:
- API Key authentication
- OAuth 2.0
- JWT tokens
- Mutual TLS (for specific integrations)
Are there rate limits on the API?
Yes, rate limits apply:
- 1000 requests per minute for standard endpoints
- 100 requests per minute for heavy operations
- Custom limits for specific partners
Development
How do I set up the development environment?
- Clone the repository
- Install dependencies
- Configure environment variables
- Start local services Detailed guide available in Development Guide.
What technologies does Oan use?
Core technologies:
- Frontend: React.js, TypeScript
- Backend: Node.js, Express
- Database: PostgreSQL
- Cache: Redis
- Infrastructure: Kubernetes on OCI
How do I report technical issues?
- Check existing issues in the documentation
- Contact technical support: tech@oanfinance.com
- Provide detailed error information and logs
Security
How is data protected?
We implement multiple security layers:
- End-to-end encryption
- Multi-factor authentication
- Regular security audits
- SAMA compliance measures
What compliance standards do you follow?
- SAMA regulations
- PCI DSS for payment processing
- ISO 27001 for information security
- Local data protection laws
How do you handle data backup?
- Regular automated backups
- Geographically distributed storage
- Encrypted backup storage
- Regular recovery testing
Support
Business Support
How do I contact business support?
- Email: business@oanfinance.com
- Phone: +966-XX-XXXXXXX
- Hours: Sun-Thu 9:00-17:00 AST
What support is available for partners?
- Dedicated account manager
- Partner portal access
- Priority support channel
- Regular business reviews
Technical Support
How do I get technical help?
- Email: tech@oanfinance.com
- Developer Portal: developers.oanfinance.com
- API Status: status.oanfinance.com
What are the support SLAs?
- Critical issues: 1-hour response
- High priority: 4-hour response
- Normal priority: 24-hour response
- Low priority: 48-hour response