Clear pre-check
See fit and required documents before preparing a full file.
UAE invoice financing & business finance
Invoice financing and working capital for UAE businesses
Access cash through invoice financing (also called invoice advance or invoice discounting), strengthen working capital, or pay suppliers before your buyer pays you. Limits and rates remain estimates until review; written terms are provided before acceptance.
No funding promise until identity, document, and credit review finish and you sign an official offer.
Clear standards before any offer
Review product fit, required documents, and written terms first. Funding remains subject to full review and a signed written offer.
Clear review timeline
See what happens after upload and when to expect the next update.
Explicit documents
See what to upload next without guessing.
Manual review
When the file needs context, a human specialist steps in.
How it works, step by step
At each stage, you can see which documents are required, your application status, and the next step.
Start with a work email
Start with a short initial check before preparing the full document package.
Share the right business document
Provide the requested business document, such as a bank statement, invoice, or company record.
Feedback in 24 hours
First feedback follows the document review, typically within 24 hours.
SME_Invoice_10482_Dubai.pdf
File size: 1.2 MB · Uploaded: Just now
- Exporter (Borrower)
- Al-Maktoum Logistics Ltd.
- Importer (Debtor)
- Emirates Trade Corp.
- Invoice value
- 150,000.00 AED
Pre-check ready
Example only — not a typical limit or a funded deal. Product ceilings are on each product page.
No approval or funding promise before a signed offer.
Clear terms and a transparent process
You receive a clear review process and written terms before accepting an offer. Initial feedback is not presented as guaranteed approval.
Offer terms shared in writing
Fees, tenure, and repayment terms are shared before acceptance.
Final review follows the full file
Initial fit never replaces identity checks, document review, or final credit assessment.
Escalation path for complex cases
Non-standard ownership or mixed income profiles can move to manual review.
«Applications are reviewed online, with written terms provided before acceptance.»
How the process works
Salam Dirham
Frequently asked questions
What is Salam Dirham?
Salam Dirham is a digital financing platform for UAE businesses. Apply for Invoice Advance, Working Capital, or Purchase Order Funding online, upload documents, and review written terms before you decide.
Who can apply?
UAE-registered businesses with a valid trade license and an active corporate bank account can apply, including businesses with foreign founders.
How quickly will I hear back?
We usually provide initial feedback within about 24 hours after receiving a complete document package. This is not final approval or funding; funds are released only after full review and a signed written offer.
Is my funding guaranteed?
No. Initial checks and online estimates are indicative. Final approval and terms follow a full review of your documents and credit profile and a signed written offer.
What kind of financing do you offer?
We offer Invoice Advance for B2B receivables, Working Capital, and Purchase Order Funding. If you are looking for invoice discounting or factoring, start with Invoice Advance.
Why use this instead of a traditional bank loan?
We provide a fully online process with initial feedback usually within about 24 hours after receiving a complete document package. Final approval and funding still require full review and a signed written offer.