Invoice Discounting Solution UAE
Unlock your working capital with Fincobox’s trusted invoice discounting solution in the UAE. Get up to 90% of invoice value within 24 hours, no collateral required.
Fast, secure, and fully compliant.
What is Invoice Discounting?
Invoice discounting (also known as accounts receivable liquidity) allows your business to unlock the cash tied up in unpaid invoices. Instead of waiting 30–120 days for your customers to pay, you can receive most of the invoice value upfront and keep your cash flow healthy.
Unlike traditional loans:
- ✔ No need to pledge assets or real estate
- ✔ Liquidity grows in line with your sales
- ✔ You remain in control of customer relationships
This makes invoice discounting one of the most flexible liquidity services available in the UAE.
Why Choose Invoice Discounting Solutions in UAE?
The UAE economy runs on strong B2B trade, but late payments remain a common challenge for SMEs and corporates. Fincobox bridges this liquidity gap with Invoice Discounting Solutions tailored for UAE businesses.
Benefits of Our Invoice Discounting Solution:
- ✔ Immediate Access to Cash – Up to 90% advance on invoices.
- ✔ No Collateral – Your invoices are the security.
- ✔ Fast Approvals – Disbursement within 24 hours.
- ✔ Scalable Liquidity – As your business grows, so does your liquidity.
- ✔ Confidential – Customers are not notified; you keep control of collections.
- ✔ For UAE & Exporters – Works for domestic and international invoices.
Our Invoice Discounting Solutions
At Fincobox, we offer a comprehensive suite of invoice discounting services for businesses across the UAE:
- ✔ Selective Invoice Discounting – Choose specific invoices to discount.
- ✔ Full Ledger Discounting – Liquidity across your receivables portfolio.
- ✔ Export Invoice Discounting – For UAE businesses with international buyers.
- ✔ SME-Focused Liquidity – Tailored to small and medium businesses facing cash flow gaps.
How Our Invoice Discounting Solution Works
- Step 1: Submit invoices via our secure dashboard.
- Step 2: We assess invoice and debtor creditworthiness.
- Step 3: Receive up to 90% of invoice value within 24 hours.
- Step 4: Customer pays invoice as usual.
- Step 5: Balance (minus fees) released to you.
Advantages Over Traditional Liquidity
| Traditional Loans | Fincobox Invoice Discounting Solution UAE |
|---|---|
| Requires collateral | No collateral required |
| Long approval cycles | Approval in < 24 hours |
| Fixed repayment terms | Flexible repayment (invoice based) |
| Limited to credit line | Scales with your sales |
| Affects customer relationship | Confidential, you control collections |
Risk Management & Compliance
We combine financial expertise with robust safeguards:
- ✔ Comprehensive KYC & AML compliance
- ✔ Fraud detection & invoice verification
- ✔ Debtor credit assessment
- ✔ Legally binding agreements under UAE law
Your liquidity is fast, but never at the cost of security.
Frequently Asked Questions – Invoice Discounting Solution UAE
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Q1. What is invoice discounting and how does it work?
Invoice discounting lets businesses unlock working capital tied in unpaid invoices by receiving up to 90% of the invoice value upfront. The remaining balance (minus fees) is settled when the customer pays.
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Q2. Who can use Invoice Discounting Solutions in UAE?
Any UAE-based business issuing B2B invoices to reputable clients is eligible — including SMEs, traders, manufacturers, logistics providers, and exporters.
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Q3. How much liquidity can I access?
Up to 90% of the invoice value can be advanced within 24 hours.
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Q4. Do I need to provide collateral?
No. Your invoices act as the security — making this an asset-light solution.
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Q5. How is this different from factoring?
In invoice discounting, you retain control of customer relationships. In factoring, the financier usually manages collections.
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Q6. What fees apply?
We charge a discounting fee based on invoice amount, debtor creditworthiness, and tenure. All costs are disclosed upfront.
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Q7. Can exporters in UAE use invoice discounting?
Yes. We support both domestic and international invoices. Additional documentation may apply for exports.
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Q8. How fast is approval and disbursement?
Invoices can be approved and funded within 24 hours of submission.
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Q9. What happens if the debtor doesn’t pay?
It depends on whether the arrangement is recourse or non-recourse. With recourse, you are liable; with non-recourse, we assume part of the risk.
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Q10. Is invoice discounting legal and regulated in UAE?
Yes. Fincobox operates in compliance with UAE financial regulations, data protection, and AML requirements.
Empowering UAE SMEs with innovative liquidity solutions. Fast, flexible, and reliable business liquidity.
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Contact
- 📞 +971 458 43201
- ✉️ info@fincobox.com
- 📍 M5 - 078, Arkan Business Center, Fronds Building, Sheikh Rashid Road, Al Garhoud, Dubai, UAE
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