Frequently asked questions

What is Fincobox?

a. Fincobox provides short-term borrowing where businesses use their unpaid invoices to get instant working capital. Fincobox offers early payouts on your invoices, allowing you to maintain cash flow without waiting for customer payments.

How does Fincobox Invoice Discounting work?

It's a simple 4-step process:

• Upload your invoice on the Fincobox platform
• Our team verifies and approves the invoice
• Once approved, the loan agreement is signed digitally
• Funds are disbursed directly to your bank account

Who is eligible to use Fincobox?

Any registered business selling on platforms like Amazon, Noon, Talabat, or directly to corporates with verifiable invoices is eligible. You must be a legal entity with valid KYC and KYB.

What documents are required?

• Business registration documents (Commercial Registration)
• KYC (Passport/Emirates ID for UAE)
• Bank account details
• Sales invoices

How quickly can I get funded?

Once your invoice is approved, disbursement typically happens within 24–48 hours.

Is collateral required for funding?

No. Fincobox’s invoice discounting is unsecured. Your invoices act as the primary basis for funding.

What are the charges or fees?

Our fees depend on the invoice value, payment terms, and risk profile. You will see a transparent cost breakup before confirming the transaction. No hidden charges.

Can I discount multiple invoices?

Yes, you can upload and discount multiple invoices simultaneously, subject to credit assessment and exposure limits.

How do I repay the amount?

You can repay directly to Fincobox by allowing us to collect it from your incoming payments from the marketplaces, we will debit the repayment and send remaining funds back to your account.

How do I get started?

Just click on Get Started or Sign Up, fill in basic details, upload your KYC documents, and start uploading invoices right away.