# MADAR

> The Cash Control Platform for Saudi SMEs. Connects bank accounts, invoices, and obligations (GOSI, VAT, Zakat) into one dashboard so owners and CFOs always know where their cash stands — without spreadsheets.

MADAR is a fintech SaaS targeted at small and medium enterprises in Saudi Arabia. Bank connections use the SAMA open banking framework via SAMA-licensed open banking providers. Data is stored in-Kingdom, encrypted in transit (TLS) and at rest (AES-256), and the product is built to comply with the Saudi Personal Data Protection Law (PDPL).

## Core pages

- [Home (English)](https://madar.finance/): Product overview — cash, collections, obligations, and control for Saudi SMEs.
- [Home (Arabic)](https://madar.finance/ar): الصفحة الرئيسية بالعربية.
- [Privacy Policy](https://madar.finance/privacy): How MADAR handles personal data under PDPL.
- [Terms of Service](https://madar.finance/terms): Terms governing use of the MADAR platform.

## Blog — pillar guides

- [Ultimate Guide to Financial Management for Saudi SMEs (2026)](https://madar.finance/blog/ultimate-guide-financial-management-saudi-smes-2026): Long-form guide covering cash flow, receivables, and obligations for Saudi SMEs.
- [Saudi Business Compliance Checklist](https://madar.finance/blog/saudi-business-compliance-checklist): GOSI, VAT, Zakat, ZATCA e-invoicing — what every Saudi SME owner must track.
- [Open Banking in Saudi Arabia: A Complete Guide](https://madar.finance/blog/open-banking-saudi-arabia-guide): SAMA's open banking framework and what it means for Saudi SMEs.

## Blog — English

- [Cash Flow Management for Saudi SMEs](https://madar.finance/blog/cash-flow-management-saudi-smes): Practical patterns for managing cash flow without an accounting team.
- [Never Miss a GOSI Deadline](https://madar.finance/blog/never-miss-gosi-deadline): How to automate GOSI obligation tracking.
- [Invoice Chasing Is Killing Saudi SMEs](https://madar.finance/blog/invoice-chasing-killing-saudi-smes): Receivables collection patterns that work in the Saudi market.
- [VAT Compliance for Saudi Small Businesses](https://madar.finance/blog/vat-compliance-saudi-small-businesses): What ZATCA requires and how to stay clean.
- [Why Saudi SMEs Need a Financial Control Room](https://madar.finance/blog/why-smes-need-financial-control-room): Why an accounting tool is not enough — you need a forward-looking control room.
- [Reduce DSO for Saudi SMEs](https://madar.finance/blog/reduce-dso-saudi-smes): Days Sales Outstanding tactics tailored to Saudi B2B.
- [Automating GOSI, VAT, and Zakat Payments](https://madar.finance/blog/automating-gosi-vat-zakat-payments): Plan obligations cash needs ahead of due dates.
- [Bank Reconciliation for Saudi Businesses](https://madar.finance/blog/bank-reconciliation-saudi-businesses): Daily reconciliation patterns when you have multiple bank accounts.
- [Multi-Branch Cash Management in Saudi Arabia](https://madar.finance/blog/multi-branch-cash-management-saudi): Cash visibility when revenue and spend live across many branches.
- [MADAR vs Spreadsheets — A Saudi CFO's Comparison](https://madar.finance/blog/madar-vs-spreadsheets-saudi-cfo): Why finance leaders move off Excel for cash control.

## Optional

- [All blog posts (index)](https://madar.finance/blog): Full chronological list of MADAR blog posts.