Journey 3: Fund/Loan Processing

Complete 21-step financing journey with detailed screen wireframes

Completed

In Progress

Pending

Progress

23.8%

Understanding Step Types: One-Time vs. Daily Steps

One-Time (Valid 1 Year)

Steps 4, 5, 6, 7, 8 - Required ONCE per year:

Step 4: VIBAN Generation (PayTabs virtual account remains valid)
Step 5: General Financing Agreement E-Signature (Annual contract, auto-renews)
Step 6: Proceeds Note Generation (Template remains valid)
Step 7: Proceeds Note Signing & Stamping (One-time authorization)
Step 8: AI Verification of Proceeds Note (Initial validation only)

⚠️ Important: Once completed, these steps do NOT need to be repeated for subsequent financing requests within the 12-month validity period. They will be automatically skipped for daily submissions.

Daily / Per-Submission

Steps 1, 2, 3, 9-21 - Required for EVERY financing request:

Steps 1-3: Financing request submission & Nafath verification (per claim batch)
Steps 9-13: Daily financing contract (Emdah contract per claim batch submitted)
Steps 14-21: Fund disbursement, SAMA IBAN validation, ANB transfer, ZATCA invoicing, reporting

ℹ️ Note: Steps 9-13 create a NEW financing contract for each daily claim batch. This is separate from the general agreement (Step 5) and is specific to the current financing request.

📅 Renewal Logic: After 12 months, Steps 4-8 will need to be completed again when the clinic submits their next financing request. The system will automatically detect the expiry and prompt for re-completion.

Detailed Screen Wireframes - Developer Documentation

Click on each step to view detailed screen mockups, components, and sample data

Clinic Submits Financing Request

✓ Completed

Clinic initiates the funding application with required documentation

Clinic

Financing Application Form

Screen Components:

▸Application Reference Number: Auto-generated (FIN-2025-001)
▸Clinic Information: Auto-filled from profile
▸CR Document Upload: PDF/Image (Max 5MB)
▸Insurance Proceeds Notes Upload: Multiple files supported
▸Requested Funding Amount: Input field with SAR currency
▸Funding Purpose: Dropdown (Working Capital/Equipment/Expansion)
▸Repayment Term: Slider (3-36 months)
▸Submit Button: Primary action with confirmation

Sample Data

clinic Name:AlSalamah Medical Clinic

cr Number:1010123456

requested Amount:500,000 SAR

purpose:Working Capital

term:12 months

SMS Notification Sent

SMS: "Your financing request has been received. Reference #FIN-2025-001"

Step 1 of 21

Key Integrations in Journey

Nafath

Identity verification & e-signature authorization

Steps 2, 3, 10, 11

PayTabs

VIBAN generation & fund disbursement

Steps 4, 15

Emdah

E-contract generation & digital signing

Steps 8, 9, 12

AI Verification

Document authentication & fraud detection

Step 7

SAMA IBAN

Bank account validation before transfer

Step 16

ZATCA

E-invoicing compliance & submission

Step 18