Frequently asked questions

What is Fincobox?

Fincobox is a Digital platform that offers flexible non-dilutive working capital to SMEs in the UAE. The platform is managed & operated by Arnifi Technologies Forfaiting Servics Co LLC which holds the license from DED, Dubai.

What are the products offered by Fincobox?

We offer Invoice discounting, Revenue based liquidity and similar products to help SMEs take care of their working capital gaps.

How does Invoice discounting work?

Invoices raised by the SME to their buyers/online platforms are offered to Fincobox to avail liquidity upto 90% of invoice value. This is perfect for B2B/wholesale components of your business and the facility is completed when the invoice is honored by the buyer which is usually in a 2–3-month time frame.

How does Revenue based liquidity work?

SME can avail a forfaiting arrangement capital up to 2.5 to 3 times their monthly revenue. This is designed for companies with consistent online sales & need to fund their marketing, product expansion or inventory needs. The repayment term can vary between 6 to 9 months.

How much does it cost?

Every SME that registers on the Fincobox platform will undergo a credit underwriting process and a detailed offer is made with terms & limits of the facility. The interest will range from 1 to 2.5% and depends on the nature of the facility, quantum of business & sales patterns and a processing fee of 1% will be charged.

How quickly can we receive liquidity?

Businesses will register on the Fincobox platform and upload the necessary documents. Once this is completed by the Business, our team will carry out the verification process that can take 1-2 business days & then extend the facility offer letter to the Business. Once the Business accepts and agreements are executed, they will get activated for Liquidity. Most qualifying businesses receive funds within 24-48 hours of their fund request.

What are the documents required for the application process?

We need basic documents related to business owner KYC, Company registration and business operational data.

Is collateral required?

No. Our liquidity is based on your business performance, not personal assets or guarantees.

Will we need to give up equity?

None. Our liquidity is 100% non-dilutive. You maintain complete ownership and control of your business.

How does repayment work?

For Online merchants, repayments happen automatically via your sales and settlement flows, making the process seamless.

What are the eligibility requirements?

MSMEs, D2C, E-commerce brands with 6+ months of operating history and AED 100,000+ in monthly revenue typically qualify.

Can we apply for both RBF and ID simultaneously?

Yes. Many of our clients utilise both products to optimise different aspects of their business.