Receivables
Receivables (accounts receivable) are amounts customers owe your business for goods or services already delivered. When buyers pay on 30–90 day terms, cash can be trapped even though sales look strong on paper. In the UAE, many SMEs finance approved B2B receivables through invoice advance after document review and underwriting—not before a signed offer. Treat receivable financing as a documented process: complete pack, indicative terms, underwriting, then signed offer—never as a guaranteed instant payout. Always choose the product page that matches your real gap before you invest time uploading documents.
Why receivables create cash-flow pressure
You may have delivered work and booked revenue while waiting weeks for settlement. Payroll, rent, and supplier bills still arrive on schedule. Financing receivables is one way to bridge that timing gap when invoices are clear and buyers are credible. Disputed invoices or weak documentation rarely move quickly.
Receivables vs payables
Receivables are money owed to you. Payables are money you owe suppliers. If the gap sits in unpaid customer invoices, start with invoice advance. If the gap sits in supplier bills due before customer cash arrives, compare purchase order funding. Mixing the two stories slows underwriting.
How Salam Dirham approaches receivable financing
Upload invoices and company documents, receive indicative terms after review, then complete underwriting before funding. Initial terms help you decide fit. They are not a guarantee. Final pricing and disbursement follow identity checks, validation, credit assessment, and a signed offer.
What makes a receivable file stronger
Clear invoice PDFs, matching legal names, buyer details, and complete banking statements help. Concentration in one buyer, aging beyond normal terms, or missing delivery proof invite more questions. Preparing a clean pack shortens first feedback and reduces manual escalation.
Receivables language and “factoring” searches
Many founders search for factoring when they mean financing receivables. Use the factoring and invoice advance glossary entries to translate bank jargon into the Salam Dirham product path. Choose the product that matches the gap before you upload documents.
When working capital is a better fit
If pressure is broader than a specific invoice set—mixed operating costs without a clean receivable pack—working capital may fit better. Forcing every need into invoice advance creates incomplete files and repeated follow-ups. Match the story first, then follow that product’s checklist.
Receivables aging and what to show underwriters
Aging tells underwriters how long cash has been waiting. Prepare a simple list of invoices with dates, amounts, and buyer names alongside the PDF files. Highlight any disputes early rather than hoping they stay hidden. Complete banking statements help connect receivable timing to repayment capacity. Clean aging packs usually get clearer first feedback and fewer follow-ups during underwriting.