Financing for UAE construction companies
Construction runs on milestones and invoices. You complete work on site, but developers and main contractors often pay later—while labour, materials, and subcontractors need cash this week. Salam Dirham helps UAE construction SMEs bridge that gap with Invoice Advance, working capital, or purchase order funding. Limits stay estimates until review, and funding is not promised until you sign a written offer.
In short
Salam Dirham helps UAE construction SMEs bridge the gap between completed milestone work and later developer or contractor payments. Invoice Advance fits progress invoices; working capital fits labour and site costs; purchase order funding fits materials that must be paid before the client pays you. On-site limits are estimates. Funding is not guaranteed until you sign a written offer.
How we can help
Milestone and progress invoices
Unlock cash from completed stage or progress invoices instead of waiting for the full contractor payment cycle. Contracts and completion evidence help when they support the invoice.
Labour and site operating costs
Cover payroll, plant hire, and site costs while customer invoices sit unpaid—without treating on-screen limits as final before review.
Materials and equipment purchases
When suppliers must be paid before the client pays you, compare purchase order funding with invoice advance.
Documents you may need
- Trade license and representative identity documents
- Company bank statements
- Progress or milestone invoices supported by contracts or completion evidence when available
- Supplier invoices or purchase orders for materials that must be paid first
Frequently asked questions
Which product fits construction cash-flow gaps?
Invoice Advance for progress or milestone invoices. Working capital for labour and site costs. Purchase order funding when materials must be paid before the client pays you.
Who can apply?
UAE-registered construction SMEs with company documents and a clear receivables or payables gap. Estimates on the site are not a quote.
Is first feedback the same as final funding?
No. First feedback usually follows a complete upload within about 24 hours. Final terms and funding require underwriting and a signed written offer.
Products that fit your needs
Ready to start an application?
Create an account, upload a complete document pack, and review written terms before you accept. Limits and rates stay estimates until review. Funding is not guaranteed until you sign an offer.
Create an account