How invoice advance works for UAE businesses
Invoice advance helps UAE suppliers get cash from unpaid B2B invoices earlier instead of waiting 30–90 days for buyers to pay. On Salam Dirham it is a digital product: upload invoices and company files, see written indicative terms after review, and treat funding as real only after a signed offer.
When invoice advance fits
The product suits UAE-registered businesses with reliable corporate buyers and clear invoices on 30–90 day terms. Trading houses, service firms, logistics operators, and contractors often use it when revenue looks healthy on paper but cash is still tied up in receivables. If your gap is payroll or mixed costs without a clean invoice set, review working capital. If a supplier must be paid before your customer pays you, compare purchase order funding.
What you usually upload
Expect a valid UAE trade license, recent company bank statements, representative identity documents, and clear B2B invoices with buyer name, amounts, dates, and payment terms. Contracts or delivery evidence help when they support the invoice. A complete pack usually shortens first review. See the invoice financing documents checklist for the full list.
What happens after upload
You upload invoices, company records, and banking files. With a complete pack, first review feedback is usually within about 24 hours. Salam Dirham then shows indicative terms in writing. Identity checks, document validation, and credit assessment continue before any final offer. There is no funding promise—and no instant approval—before a signed offer.
Limits and cost language
Eligible Invoice Advance applications may support financing up to AED 1,000,000; product limits apply. Indicative monthly rate bands on the product page are estimates until review. Fees and repayment terms appear in writing before you accept. Market conversations often discuss a high share of eligible invoice value; your exact figure is confirmed only after review.
How to start
Open Invoice Advance, create an account, and follow the in-app checklist before upload. Read the broader invoice financing UAE guide if you are still comparing labels such as discounting and factoring. Operated by SALAM DRHM FZCO.