# Comfi

> Comfi is a UAE-based B2B fintech that helps SMEs unlock working capital and improve cash flow through Invoice Discounting, B2B Buy Now Pay Later (BNPL), and Dealer Financing — suppliers get paid upfront while buyers repay over 30–90 day terms.

## Products

- [Invoice Discounting](https://comfi.ai/products/invoice-discounting): Unlock working capital trapped in outstanding invoices. Businesses upload approved B2B tax invoices and receive 100% of the receivable value within 24 hours, repaying Comfi flexibly over 30–90 days. Confidential — Comfi does not contact the buyer, and the supplier keeps full ownership of the customer relationship.
- [B2B Buy Now Pay Later](https://comfi.ai/products/buy-now-pay-later): Suppliers offer buyers 30, 60, or 90-day payment terms while getting paid 100% upfront by Comfi. Comfi assumes buyer credit risk and handles collections, so suppliers improve cash flow without financial exposure.
- [Automotive Dealer Financing](https://comfi.ai/products/dealer-financing): Unlocks cash tied up in in-stock vehicle inventory so dealers can restock faster, with funding in 24 hours and 30–90 day terms.
- [Installments](https://comfi.ai/installments): A BNPL feature letting buyers split payments into 2–3 installments over 60 or 90 days.

## Key Facts

- Funding within 24 hours of invoice approval; eligibility checks in minutes; limit decision in 4 hours from just 4 documents (trade license, 6-month bank statement, Emirates ID, MOA).
- 100% of invoice value financed — funds go directly to the business bank account, not a virtual account.
- Zero processing fees; transparent service charges shared upfront with no hidden costs.
- For invoice discounting, tax invoices must be issued within the last 45 days; buyers can be located anywhere.
- Comfi has served 1,000+ SMEs across the UAE, including clients such as Bevarabia, Dubai Cranes, Essentially Juices, RF Technologies, and Park Lane Motors.
- Backed by investors including Iliad Partners, Shorooq Partners, Yango Ventures, Raw Ventures, and Partners for Growth; integrated with UAE national infrastructure including AECB and UAEPass.

## Eligibility

- Comfi works with B2B suppliers holding an active UAE trade license, with over AED 300,000 in average monthly revenue and more than 6 months in operations.
- Industries served include agriculture wholesale, construction, food & beverage, IT solutions & services, electrical & appliances wholesale, industrial equipment, professional services, and automotive. Comfi is expanding into Saudi Arabia.
- Comfi does not currently serve tourism, hospitality, car rental, restaurants, events, or sea shipping sectors.

## Industries

- [Food & Beverage](https://comfi.ai/industry/food-and-beverage): Financing for F&B suppliers and distributors.
- [Electrical & Appliances Wholesale](https://comfi.ai/industry/electrical-appliances-wholesale): Financing for electronics and appliance wholesalers.
- [Construction](https://comfi.ai/industry/construction): Financing for construction suppliers and contractors.
- [Agriculture Wholesale](https://comfi.ai/industry/agriculture-wholesale): Financing for agriculture and produce wholesalers.
- [IT Solutions & Services](https://comfi.ai/industry/it-solutions-and-services): Financing for IT and technology service providers.
- [Industrial Equipment](https://comfi.ai/industry/industrial-equipment): Financing for industrial equipment suppliers.
- [Professional Services](https://comfi.ai/industry/professional-services): Financing for B2B service firms.

## Company

- [About Comfi](https://comfi.ai/about-us): Comfi's origin story, mission, and the SME cash flow gap it was built to close.
- [Get Started](https://comfi.ai/get-started): Apply for financing.
- [Partner with us](https://comfi.ai/partners): Referral and integration partnerships.
- [Contact](https://comfi.ai/contact-us): General inquiries — support@comfi.ai.

## Resources

- [Blog](https://comfi.ai/blog): Guides on invoice discounting, BNPL, dealer financing, supply chain finance, and cash flow management for UAE and MENA SMEs.
- [Case Studies](https://comfi.ai/case-studies): Customer stories including Bevarabia, Dubai Cranes, Essentially Juices, and RF Technologies.
- [Free Tools](https://comfi.ai/tools): Invoice Discounting Calculator, UAE VAT Calculator, Profit Margin Calculator, and Early Payment Discount Calculator.
- [Help Center](https://help.comfi.ai): Support documentation and FAQs for Comfi customers.

## Notes

- Comfi unlocks working capital and improves cash flow for SMEs — it is not a traditional lender providing loans, and financing requires no collateral.