Awan

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Explore by role

Worked example used throughout

Supplier · Onboarding

Set up your account

Five steps. You can save and come back at any point — nothing is submitted until the final step.

Company details

Company name (as registered)

Commercial registration number

Registration expiry

Legal form

Business activity

Year established

Number of employees

Registered address

Governorate

Area

Block

Street

Building / unit

PO Box

Primary contact

Full name

Position

Email

Mobile

Owners & beneficial owners

List anyone holding 25% or more, directly or indirectly. Required for KYB under Central Bank rules.

Full name

Nationality

Civil ID / passport number

Ownership %

Politically exposed person?

Yes

No

Full name

Nationality

Civil ID / passport number

Ownership %

Politically exposed person?

Yes

No

Authorized signatories

Full name

Position

Signing authority

Authority limit (KWD)

Upload documents

6 of 8 uploaded · 1 needs attention

Commercial registration certificate

PDF · uploaded 2 Sept 2026

Verified by Sara Nasser, Awan · 3 Sept 2026

Verified

Authorized signatory ID

PDF · uploaded 2 Sept 2026

Verified by Sara Nasser, Awan · 3 Sept 2026

Verified

Bank statements (6 months)

PDF · uploaded 3 Sept 2026

With Yousef Kanaan, Awan

Under review

2025 financial statements

Required · audited

Rejected

Reason: missing auditor's report.
Reviewer note: re-upload the full signed statement including the audit opinion page.

Reviewed by Yousef Kanaan, Awan · 4 Sept 2026

2024 financial statements

Audited

Verified by Yousef Kanaan, Awan · 4 Sept 2026

Verified

2023 financial statements

Audited

Verified by Yousef Kanaan, Awan · 4 Sept 2026

Verified

Latest management accounts

Optional — speeds up review

Corporate documents (MOA / AOA)

Required

Verified by Sara Nasser, Awan · 3 Sept 2026

Verified

Drag files here, or click to browse. PDF, JPG or PNG up to 10 MB each.

Where Awan pays you

Money in. Awan transfers your invoice payments into this account, so it must be in your company's registered name.

Account holder name

Bank

IBAN

Currency

SWIFT / BIC

Bank letter confirming the account

Upload a stamped bank letter or cancelled cheque

Your commercial terms

These are the rates agreed with Awan. They apply when Awan pays you.

30 days3.0%

60 days5.5%

90 days7.0%

120 days8.0%

Agreement

I confirm the information given is accurate and I am authorized to sign on behalf of the company. I accept the Awan supplier agreement and the commercial terms shown.

Application status

Under review

Submitted 3 September 2026 · most decisions within 5 working days

Documents verified

5 of 8

Needs your attention

1 document

One document needs replacing

Your 2025 financial statements were returned because the auditor's report was missing. Replace it and review continues automatically — you don't need to resubmit the application.

Supplier · Commercial terms

Your agreed Awan Discount

This is the discount applied when Awan pays you, based on the payment term of each invoice. Rates are locked to each invoice at submission, so later changes never affect invoices already in progress.

Discount schedule

Effective 1 January 2026

Payment term	Awan Discount	On a KWD 25,000 invoice you receive
30 days	3.0%	KWD 24,250.000
60 days	5.5%	KWD 23,625.000
90 days	7.0%	KWD 23,250.000
120 days	8.0%	KWD 23,000.000

This is your only discount

Any early-payment offer Awan later makes to your buyer is separate and does not change what you receive.

Makani Foods

Good morning, Fahad

Submit your invoice. Awan handles approval, payment and collection.

Total received

KWD 40,641

2 invoices paid

View paid invoices →

Total invoice value

KWD 102,700

6 invoices

View all →

Awaiting approval

KWD 8,900

1 invoice

View →

In dispute period

KWD 12,400

1 invoice

View →

Invoices

Invoice	Buyer	Amount	Terms	Status
INV-2026-0187	Nejoud	KWD 25,000	90 days	Paid	View details
INV-2026-0186	Lulu Hypermarket	KWD 12,400	60 days	Dispute period	View details
INV-2026-0185	Al Salam Hospital	KWD 8,900	30 days	Under buyer review	View details
INV-2026-0184	Mezzan Trading	KWD 31,500	120 days	Processing payment	View details
INV-2026-0183	Nejoud	KWD 6,200	30 days	Disputed	View details

Supplier · Newly approved account

Welcome to Awan

What a supplier sees on day one, before their first submission.

Total received to date

KWD 0.000

No payments yet

Your 90-day rate

7.0%

Agreed commercial terms

Approved buyers

3

Ready to invoice

Invoices

No invoices yet

Submit your first invoice and Awan takes it from there — approval, payment and collection.

Loading state

Shown while invoices are fetched

Invoice	Buyer	Amount	Status

Supplier · New submission

Submit an invoice

The due date and your net payment are calculated as you choose payment terms.

Buyer

Only buyers who have accepted your request appear here. Manage buyers

Invoice number

Invoice amount (KWD)

Invoice date

PO / reference

Payment terms

30 days

60 days

90 days

120 days

Custom

Due date is calculated automatically from the invoice date.

Description

Supporting documents

Drag the invoice PDF and delivery note here, or click to upload

You will receive

KWD 23,250.000

Invoice amountKWD 25,000.000

Payment terms90 days

Due date9 December 2026

Awan Discount (7.0%)− KWD 1,750.000

This rate is locked to the invoice. Later changes to your commercial terms won't affect it.

Supplier · Invoice status

Track your invoices

Select any invoice to see where it is in the process.

All invoices

Invoice	Buyer	Amount	You receive	Stage

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Invoice status

Net payment

—

Invoice amount

—

Awan Discount

—

Status

—

Progress

Buyer

—

Invoice date

—

Payment terms

—

Due date

—

PO / reference

—

Buyer · Onboarding

Set up your account

Six steps. Your finance team can start approving supplier invoices as soon as the account is approved.

Company details

Company name (as registered)

Commercial registration number

Registration expiry

Legal form

Business activity

Year established

Number of employees

Registered address

Governorate

Area

Block

Street

Building / floor

PO Box

Owners & signatories

Anyone holding 25% or more must be disclosed for KYB.

Beneficial owners disclosed4

Authorized signatoryMariam Sultan, CFO

Upload documents

All required documents received

Commercial registration certificate

PDF · uploaded 10 Sept 2026

Verified by Khalid Ibrahim, Awan · 11 Sept 2026

Verified

Authorized signatory ID

PDF · uploaded 10 Sept 2026

Verified by Khalid Ibrahim, Awan · 11 Sept 2026

Verified

Bank statements (6 months)

PDF · uploaded 11 Sept 2026

Verified by Khalid Ibrahim, Awan · 12 Sept 2026

Verified

2025 financial statements

Audited

Under review

2024 financial statements

Audited

Verified

2023 financial statements

Audited

Verified

Board resolution authorizing the facility

Required · signed original

Drag files here, or click to browse. PDF, JPG or PNG up to 10 MB each.

Your payables profile

This helps us size your account. Estimates are fine.

Typical supplier payment terms

30 days

60 days

90 days

120 days

Select all that apply.

Average monthly supplier payables (KWD)

Number of active suppliers

Estimated annual volume through Awan (KWD)

How do you pay suppliers today?

Your largest suppliers

Add the suppliers you expect to route through Awan. We'll invite any that aren't already on the platform.

Supplier name

Annual spend (KWD)

Supplier name

Annual spend (KWD)

Why we ask

These figures set your opening credit limit. You'll never see a limit in the platform — it only affects how many invoices Awan can carry for you at once.

Authorized users

Add everyone who needs access. Roles can be changed later.

Full name

Email

Role

Finance Manager

Accounts Payable

Admin User

Finance Manager can approve invoices and view obligations.

Full name

Email

Role

Finance Manager

Accounts Payable

Admin User

Accounts Payable can review invoices, upload payment proof and confirm payment dates.

Where you pay Awan from

Money out. You transfer to Awan on the due date — we never debit this account. We record it so your payments are matched to you automatically.

Account you will pay from

Must be in the name of Nejoud Restaurant Management Co. Used for reconciliation and for any refund owed to you.

Accounts payable contact

Payment notification email

Preferred payment reference format

Documents you need with each payment request

Invoice copy

Delivery note

Purchase order

Statement of account

Awan program terms

Please read and accept each item. These define your obligations to Awan.

Application status

Under review

Submitted 12 September 2026 · with the Awan credit team

Documents received

6 of 7

Authorized users

3 added

What happens next

We verify your documents and confirm your account details. Most decisions are made within five working days. We'll email Mariam Sultan and Layla Haidar as soon as the account is active.

Nejoud

Your obligations at a glance

Total due to Awan

KWD 71,900

4 finalized invoices

View approved invoices →

Awaiting your approval

KWD 41,200

3 invoices

View →

In dispute period

KWD 33,700

2 invoices

View →

Available savings

KWD 700

If paid early

View offers →

Invoices

Invoice	Supplier	Amount	Due date	Status
INV-2026-0189	Safwan Trading	KWD 16,200	21 Dec 2026	Awaiting approval	Review
INV-2026-0187	Makani Foods	KWD 25,000	9 Dec 2026	Dispute period	Open
INV-2026-0181	Lifefitness Kuwait	KWD 9,800	27 Sep 2026	Early payment eligible	View offer
INV-2026-0179	Ali Abdulwahab & Sons	KWD 14,600	2 Oct 2026	Due soon	View
INV-2026-0174	Makani Foods	KWD 6,200	15 Sep 2026	Disputed	View

Supplier · —

Company profile

Your registered details stay editable after onboarding. Changes to bank details, owners or signatories are re-verified by Awan before they take effect.

Account status

Active

Verified on

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Documents

—

Next renewal

—

Financials due

—

Buyer · —

Company profile

Your registered details stay editable after onboarding. Changes to bank details, authorized users or signatories are re-verified by Awan before they take effect.

Account status

Active

Verified on

—

Documents

—

Next renewal

—

Financials due

—

Supplier · Makani Foods

Your buyers

Add the companies you sell to. Each buyer is notified and must accept your request before you can submit invoices to them.

Buyers

If a buyer removes you, send a new request to reconnect

Buyer	Commercial registration	Status	Since

Buyer · Nejoud

Suppliers

Suppliers who sell to you through Awan. Accept connection requests, or remove a supplier you no longer want invoices from.

Connection requests

Accepting lets the supplier submit invoices to you for approval

Supplier	Commercial registration	Requested

Current suppliers

Removing a supplier stops new invoices. They must send a new request to reconnect.

Supplier	Commercial registration	Connected since	Open invoices	Status

Buyer · Nejoud

Invoices

Everything from a supplier's invoice arriving to the day you settle with Awan.

Total due to Awan

KWD 71,900

4 finalized invoices

View approved →

Awaiting your approval

KWD 41,200

3 invoices

View →

In dispute period

KWD 33,700

2 invoices

View →

Available savings

KWD 700

If paid early

View offers →

Awaiting your approval

Approving confirms the amount, terms and due date, and starts the dispute period

Invoice	Supplier	Amount	Terms	Waiting

—

Review invoice

Invoice amount to confirm

—

Approving confirms the amount, payment terms and due date, and starts a 5-day dispute period.

Supplier

—

Invoice date

—

Payment terms

—

Due date

—

PO / reference

—

Goods & service details

Description—

Delivery confirmed—

Received by—

Supporting documents

Invoice.pdf

248 KB

Delivery note.pdf

96 KB

—

Dispute period

Dispute window remaining

—

Waive the remaining window and let Awan pay your supplier sooner.

Raise a dispute

Dispute type

Reason

Disputed amount (KWD)

Explanation

Supporting evidence

Attach photos or documents

Terms confirmed on approval

Supplier—

Invoice amount—

Payment terms—

Original due date—

Approved by—

What happens next

If no dispute is raised, Awan pays your supplier and manages the receivable from you until the due date.

—

Approved invoice

Amount due to Awan

—

Finalized — your supplier has been paid

No further disputes can be raised on this invoice. Your obligation to Awan is confirmed.

Supplier

—

Invoice amount

—

Payment terms

—

Original due date

—

Finalized

—

Your payment options

Pay on the original due date—

Pay early—

If you take no action, the original amount is due on the original due date.

INV-2026-0187 · Makani Foods

Early payment offer

A discount Awan offers you for settling before the original due date. It is separate from your supplier's Awan Discount, and if you do nothing, the original terms stand.

Pay within 7 days and settle for

KWD24,500.000

Instead of KWD 25,000.000 on 9 December 2026

You save

KWD 500

All payment options

Original amount due: KWD 25,000.000

Payment option	Pay by	You pay	You save
Within 7 days	25 September 2026	KWD 24,500.000	KWD 500
Within 30 days	18 October 2026	KWD 24,750.000	KWD 250
Original due date	9 December 2026	KWD 25,000.000	No saving

Figures are illustrative for this prototype and would reflect Awan's live offer terms.

Buyer · Nejoud Restaurant Management

Outstanding balance

All invoices Awan has paid to your suppliers on your behalf. Upload payment proof once you have transferred. Awan confirms receipt with your bank and marks the invoice settled.

Open receivables

Upload payment proof once you transfer — Awan confirms with your bank

Invoice	Supplier	Amount due	Due date	Status

Awan Admin

Operations overview

Outstanding receivables

KWD 1.92M

312 open invoices · 96.7% current

Invoice volume (12mo)

KWD 8.4M

+18% year on year

Overdue

KWD 64,100

11 invoices

Active disputes

5

KWD 41,300 held

Portfolio at a glance

Suppliers142 · 9 pending verification

Buyers38 · 3 under review

Supplier payments madeKWD 7.81M

Buyer credit exposureKWD 1.92M of KWD 4.10M limits

Early-payment take-up34% of eligible invoices

Receivables by age

Current 1–60 days overdue 61+ days overdue

Risk alerts

4 open

Type	Company	Detail	Severity
Credit exposure	Safwan Trading	Utilization at 91% of limit	High
Overdue receivable	Mezzan Trading	68 days overdue, KWD 14,200	Medium
Dispute rate	Lifefitness Kuwait	3 disputes in 30 days	Medium
Document expiring	Makani Foods	Bank statements refresh due in 12 days	Low

Awan Admin

Applications

New suppliers and buyers awaiting a decision. Review documents, request more information, then approve or decline.

Awaiting decision

—

New this week

3

Not yet opened

Information requested

—

Waiting on applicant

Average decision time

4.2 days

Target: 5 days

Application queue

⌕

Applicant	Type	Registration	Submitted	Documents	Status

—

Status

—

Commercial registration

—

Submitted

—

Business activity

—

Assigned to

—

Applicant details

Proposed terms

—

Documents

—

Review notes

Internal — not visible to the applicant

Add a note

Decision

Decision note — shared with the applicant when requesting information or declining

Approving activates the account and notifies the applicant. Declining requires a reason.

Awan Admin

Suppliers

Select a supplier to manage KYB, documents, commercial terms and payment history.

Active suppliers

142

KWD 7.81M paid to date

Pending verification

9

Awaiting document review

Documents rejected

4

Supplier action required

Average discount

6.2%

Weighted by invoice value

All suppliers

⌕

Supplier	Registration	Invoices (12mo)	Value	90-day rate	KYB

Supplier profile

—

KYB status

—

Commercial registration

—

Bank account

—

Invoices (12mo)

—

Documents

—

Discount schedule

—

Company & KYB

Business activity—

Beneficial owners—

Authorized signatory—

3-year financials—

Onboarded—

Internal notes

—

Invoices & payment history

⌕

—

Invoice	Buyer	Amount	Submitted	Paid in	Status

Documents

Awan Admin

Buyers

Select a buyer to manage credit limits, early-payment settings and collection history.

Total credit exposure

KWD 1.92M

Against KWD 4.10M in approved limits

Active buyers

38

3 under review

Above 85% utilization

2

Limit review needed

Overdue exposure

KWD 64,100

Across 6 buyers

All buyers

⌕

Buyer	Credit limit	Utilized	Available	Utilization	Status

Buyer profile

—

Credit limit

Total limit—

Utilized—

Available—

—

Available credit = total limit − outstanding Awan exposure. Capacity is released on settlement.

KYB status

—

Average payment

—

Overdue exposure

—

Open disputes

—

Risk flags

—

Early-payment settings

Eligible—

Tier 1—

Tier 2—

Take-up rate—

Invoices & payment history

⌕

—

Invoice	Supplier	Amount	Due date	Settled	Status

Supplier network

—

Supplier	Invoices (12mo)	Value

Authorized users

Collection notes

—

Awan Admin

Invoice search

Search every invoice on the platform by number, supplier, buyer or PO reference.

⌕

Supplier

Buyer

Status

Results

—

Invoice	Supplier	Buyer	Amount	PO ref	Due date	Status

—

Invoice

Invoice amount

—

Supplier receives

—

Buyer owes

—

Status

—

Supplier

Buyer

Submitted

—

Payment terms

—

Due date

—

PO / reference

—

Supplier side

Invoice amount—

Awan Discount—

Discount amount—

Supplier net payment—

Paid in—

Buyer side

Amount due to Awan—

Original due date—

Settlement—

Credit consumed—

Early-payment offer—

Internal margin — not visible to supplier or buyer

Paid to supplier—

Expected from buyer—

Gross difference—

Credit engine

Credit limit exceeded

The platform checks available buyer credit before Awan pays a supplier. This invoice cannot proceed without a decision.

Shortfall on Safwan Trading invoice

KWD5,000.000

New invoice KWD 25,000.000 against available credit of KWD 20,000.000

Buyer

Safwan Trading

Total limit

KWD 220,000

Utilized

KWD 200,000 · 91%

Limit set by

Khalid IbrahimCredit Analyst · 3 March 2026

Admin decision

Available credit = total credit limit − outstanding Awan exposure. The supplier is not shown this screen or told a credit decision is pending.

Awan Admin

Early-payment tier schedules

The discount Awan offers a buyer for settling before the due date, set per original payment term. A 90-day invoice carries a larger Awan Discount than a 30-day one, so there is more room to share. Margin figures are internal.

Tier schedule

Tier	Buyer pays within	Discount	Buyer pays	Buyer saves	Awan gross margin

Edit schedule

Offered by default on these terms

Tier 1 — window (days)

Tier 1 — discount %

Tier 2 — window (days)

Tier 2 — discount %

Offer expires

Changes apply to invoices finalized from now on. Offers already sent keep the terms the buyer was shown.

Live offers on these terms

Select an invoice to open it

Invoice	Buyer	Amount	Offer	Status

Awan Admin

Renewals & expiries

Documents expiring across every onboarded company, and the annual financials deadline. Work this list daily — an expired commercial registration pauses new invoice submission.

All renewals

One row per company · select a row to open its profile

Company	Type	Documents due	Most urgent	Last reminder

Collected Admin

Collections & payments

Monitor open receivables, review payment proof uploaded by buyers, and confirm receipt once the bank transfer is verified.

Open receivables

Invoices paid to suppliers — awaiting buyer settlement

Invoice	Buyer	Supplier	Amount	Due date	Days	Status

INV-2026-0187

Audit history

Every material event is logged with date, time, user and company.

Events

17 entries · export available

19 Sep · 09:12

Supplier paid — KWD 23,250.000 to Makani Foods

System · Awan Treasury

19 Sep · 09:11

Buyer credit checked — available KWD 180,000, sufficient

System · Credit Engine

19 Sep · 09:10

Supplier discount applied — 7.0% on 90-day terms, rate locked

System · Pricing Engine

19 Sep · 09:14

Buyer early-payment offer created — KWD 24,500.000 by 25 September

Sara Nasser · Awan Admin

18 Sep · 14:41

Invoice finalized — remaining dispute period waived

Layla Haidar · Nejoud

14 Sep · 10:02

Buyer approved invoice — amount, terms and due date confirmed

Layla Haidar · Nejoud

10 Sep · 08:30

Supplier invoice uploaded — INV-2026-0187, KWD 25,000.000

Fahad Marafi · Makani Foods

03 Sep · 11:20

Supplier document rejected — 2025 financial statements, missing auditor's report

Yousef Kanaan · Awan Admin

03 Sep · 09:05

Supplier document verified — commercial registration certificate

Sara Nasser · Awan Admin

14 Jul · 12:38

Buyer credit limit approved — Nejoud raised from KWD 350,000 to KWD 500,000

Noura Yousef · Head of Credit, Awan

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Set up your account

Owners & beneficial owners

Authorized signatories

Upload documents

Your agreed Awan Discount

Discount schedule

Good morning, Fahad

Invoices

Welcome to Awan

Invoices

No invoices yet

Loading state

Submit an invoice

Track your invoices

All invoices

Invoice status

Set up your account

Upload documents

Authorized users

Your obligations at a glance

Invoices

Company profile

Company profile

Your buyers

Buyers

Suppliers

Connection requests

Current suppliers

Invoices

Awaiting your approval

In dispute period

Finalized invoices

Review invoice

Supporting documents

Dispute period

Approved invoice

Early payment offer

All payment options

Outstanding balance

Open receivables

Awaiting confirmation

Settled invoices

Operations overview

Risk alerts

Applications

Application queue

—

Documents

Review notes

Suppliers

All suppliers

—

Invoices & payment history

Documents

Buyers

All buyers

—

Invoices & payment history

Supplier network

Authorized users

Invoice search

Results

Invoice

Credit limit exceeded

Early-payment tier schedules

Tier schedule

Live offers on these terms

Renewals & expiries

All renewals

Collections & payments

Open receivables

Payment proof to verify

Settled receivables

Overdue receivables

Audit history

Events