For businesses

Invoice financing for UAE businesses

Up to AED 500KFrom 2% /mo

Invoice financing for UAE SMEs—unlock cash from unpaid B2B invoices after a clear document review (also called invoice advance or invoice discounting).

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500K

Up to 500K AED · estimated 2–2.5% /mo

First review

Usually ~24h — not funding

Maximum limit

500KAED

Estimated rate

2–2.5% /mo

First review

Usually ~24h — not funding

How it works

Invoice financing in the UAE—also called invoice advance or invoice discounting—helps businesses waiting 30–90 days for customer payment unlock cash sooner. Upload your B2B invoice, company records, and bank statements; Salam Dirham shows an estimated limit after a quick document review—without a traditional bank loan queue.

Track uploads, status, and written terms in one workspace. Final rate and approval follow identity checks and credit assessment before you accept any offer.

Key facts

First review: Usually within about 24 hours after a complete upload — not money in the account.
Funding: Subject to full review and a signed written offer.
Estimated advance: Up to about 90% of eligible invoice value after review; confirmed only in a signed offer.

Who is this for?

Invoice-led B2B suppliers

Businesses waiting 30–90 days on customer payments and needing cash for the next order cycle.

Growing trading and services firms

Businesses with recurring invoices to reliable corporate buyers that want faster access to cash between customer payments.

Expat-founded businesses in Dubai and the UAE

Founders who need a structured document path instead of ad-hoc bank follow-ups for trade finance.

What you need to qualify

Registered UAE business with valid trade license
B2B invoices to identifiable corporate buyers
Company and representative identity documents available for upload
No published minimum monthly revenue or months-in-business rule — fit is confirmed in review
Initial fit only until document review and signed offer

Documents you may need

See the documents typically required. Your exact checklist will depend on the financing product and your business profile.

Invoice
Trade License
Company MOA

Frequently asked questions

Is invoice advance the same as invoice financing or invoice discounting?

In UAE search language, yes—those terms usually mean unlocking cash from unpaid B2B invoices. Salam Dirham’s product name is Invoice Advance. We show initial terms after document review; funding is not guaranteed until you sign a written offer.

How much of an invoice can be financed?

Estimated advance can reach up to about 90% of eligible invoice value after review. The share is confirmed only in a signed written offer — not “funded at 90% in 24 hours”.

How is invoice discounting different from factoring?

Both unlock cash from unpaid invoices. Discounting usually keeps collections with you; factoring often means a funder collects from the buyer. See our invoice discounting vs factoring comparison for the side-by-side.

Which documents are usually required?

Typical files include invoices, trade license, company bank statements, and representative identity documents. See our invoice financing documents guide, and confirm the exact list in the application before upload.

Is “within 24 hours” the same as funded in 24 hours?

No. We usually give first review feedback within about 24 hours after a complete document upload. Final limits, rates, and funding come only after underwriting and a signed written offer. Funding is not guaranteed.

Ready to get started?

Start your application online. Save progress, upload documents when ready, and see written terms before you accept.