Ratio and Fina Announce Strategic Partnership to Boost Saudi Arabia’s Coffee Sector with USD 26.7M Commitment
Ratio Speciality Company for Trading (RATIO) has announced a strategic partnership with fina, the embedded finance arm of SILQFi, aimed at accelerating the growth of Saudi Arabia’s coffee sector through a USD 26.7 million commitment dedicated to embedded financial solutions.
The partnership comes at a time when Saudi Arabia’s coffee sector is experiencing strong growth, driven by evolving consumer preferences, expanding coffee brands, and increasing demand for more structured and premium coffee experiences—creating tangible opportunities for operators seeking sustainable expansion.
Through this collaboration, Ratio and fina will provide embedded financing solutions directly linked to daily operations, enabling coffee operators to open new branches, upgrade equipment, improve operational efficiency, and manage cash flows more effectively.
Ratio currently operates more than 130 branches, with plans to expand to 300 locations, and is preparing to launch a roasting and production factory in 2026, reinforcing local manufacturing and elevating coffee quality across the Kingdom.
Meanwhile, fina delivers embedded finance solutions designed around merchants’ daily realities, integrating liquidity seamlessly into business operations and enabling faster and simpler financial decision-making.
Commenting on the partnership, Abdulatif Almulhim, CEO of Ratio, said:
“This partnership is more than an agreement—it is a real boost for the coffee sector. By combining our market expertise with fina’s embedded finance solutions, we are opening new horizons for growth and elevating industry standards.”
Mohammed AlDossary, Founder and CEO of SILQFi, added:
“Saudi Arabia’s coffee sector is among the most dynamic today, with clear growth and ambitious operators. We are proud to partner with Ratio and deliver embedded finance solutions that truly understand merchants’ daily operations and support the next phase of sector growth.”
This partnership marks the beginning of a long-term collaboration to support Saudi Arabia’s coffee market through embedded finance solutions that scale alongside merchants.
