Tamara押注沙特人会采用先买后付；首家获SAMA牌照的玩家成为独角兽

做的是什么生意

Buy-now-pay-later payments platform for online and in-store shopping across Saudi Arabia, the UAE and the Gulf

启动资金：$6M seed (Jan 2021), $110M Series A (Apr 2021), $340M Series C (Dec 2023)

起因

In 2020 Abdulmajeed Alsukhan and co-founders Turki Bin Zarah and Abdulmohsen Albabtain spotted a Saudi e-commerce market where cash on delivery dominated and card penetration was low. They launched Tamara in September 2020 as a buy-now-pay-later checkout option, betting a transparent, Shariah-compliant alternative could win both shoppers and merchants.

经过

Tamara closed a $6M seed in January 2021 — five months after launch — then the $110M Series A led by Checkout.com in April 2021, the largest MENA fintech round at the time, funding expansion across the GCC. In December 2023 a $340M Series C co-led by SNB Capital and PIF-owned Sanabil Investments valued it above $1B, making it Saudi Arabia's first homegrown fintech unicorn with 10M users and 30,000 merchants.

结果

Still scaling: in September 2025 Tamara secured an up-to-$2.4B asset-backed facility from Goldman Sachs, Citi and Apollo funds — the largest such deal in the Middle East — to push past 20M customers and expand credit and payment products regionally.

可借鉴之处

当现有支付渠道薄弱时，首个获监管批准的本地进入者可以定义新品类：SAMA的沙盒牌照给了Tamara信任和速度，而后来者必须奋力追赶。