Purchase order funding
Purchase order funding helps a UAE company receive goods or services now while spreading approved supplier payments after review. It is built for payables pressure—when supplier bills arrive before customer cash—not for unlocking unpaid customer invoices. Indicative terms after document review are not a funding promise; disbursement follows underwriting and a signed offer. Keep supplier and company documents aligned before upload so first feedback can focus on fit instead of fixing basic mismatches.
When purchase order funding fits
It fits when you need inventory, project inputs, or approved supplier work today, but paying the full supplier invoice immediately would break cash flow. Trading firms and project-based businesses often hit this gap. If the problem is customers paying you slowly on invoices you already issued, start with invoice advance instead.
Documents and review path
Expect supplier invoice or PO-related files, trade license records, company banking statements, and representative identity documents. Salam Dirham reviews the pack, shows indicative terms when the file is complete enough, then completes underwriting before any funded offer. Incomplete supplier details or mismatched company names create follow-ups and delay first feedback.
How repayment timing usually works in plain language
The product is about structuring supplier payment timing after review—not skipping due diligence. You still need a clear company file and a signed offer before funding commitments. Read fees, tenure, and repayment schedule in writing before acceptance. Initial on-screen ranges help comparison only.
Purchase order funding vs working capital
Working capital can cover mixed operating expenses. Purchase order funding is more tightly linked to supplier bills and the need to receive goods or services now. If your story is “pay this supplier so operations continue,” PO funding is usually clearer for underwriters than a generic working-capital narrative.
What underwriters check on supplier-led files
Underwriters look at supplier invoice clarity, company banking capacity for payables, and overall credit profile. Inflated invoices, missing delivery context, or thin banking history increase scrutiny. Preparing a coherent pack—supplier file plus company statements—shortens the path to a decision.
Risks of treating marketing labels as guarantees
Some marketing copy implies instant supplier financing. Salam Dirham does not fund before document validation and a signed offer. Choosing this product when you actually need receivable financing creates rework. Match the cash-flow gap first, then upload the checklist for that product.
Practical checklist before purchase order funding
Confirm the pressure is supplier payment timing, not unpaid customer invoices. Prepare supplier invoices or PO context, trade license files, company banking statements, and representative identity documents. Explain what goods or services must arrive now and why delaying full supplier payment keeps operations running. Upload a coherent pack, expect first feedback after document review, and only treat a signed offer as a funding commitment after underwriting.