Turn invoices to cash without delays

Turn your outstanding invoices into working capital in hours.

For UAE businesses with AED 300K+ monthly revenue.

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Trusted by 1,000+ SMEs across the UAE
PF Concept logo — Comfi client
Teknodome logo — Comfi client
Turni logo — Comfi client
Bevarabia logo — Comfi client
Essentially logo — Comfi client
Park Lane Motors logo — Comfi client
Dubai Cranes logo — Comfi client
PF Concept logo — Comfi client
Teknodome logo — Comfi client
Turni logo — Comfi client
Bevarabia logo — Comfi client
Essentially logo — Comfi client
Park Lane Motors logo — Comfi client
Dubai Cranes logo — Comfi client
PF Concept logo — Comfi client
Teknodome logo — Comfi client
Turni logo — Comfi client
Bevarabia logo — Comfi client
Essentially logo — Comfi client
Park Lane Motors logo — Comfi client
Dubai Cranes logo — Comfi client

Grow your business faster with Accounts
Receivable Financing

Go from waiting months for payments to instant payments.

Improved cash flow

Streamline your cashflow by getting paid immediately for your receivables, and re-paying flexibly across 30-90 days.

Fuel your growth

Unlock cash tied up in receivables, and use it to order more inventory, pay your suppliers on time, and scale marketing and growth initiatives.

Effortless setup

Submit your invoices easily with our seamless integration with leading e-invoicing, accounting & ERP tools.

Why SMEs love Comfi's Invoice Discounting

30%
Reduction in DSO
25%
Revenue growth
24h
Time to cash
95%
Approval rate
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How to unlock capital with Comfi

From application to funds in hours and 3 simple steps.
1

Sign up with 4 documents

2

Complete onboarding

3

Upload invoices

1
Sign up with 4 documents
Trade license
Last 6 months bank statement
Emirates ID of the key signatory
Memorandum of Association
in 10 mins
Receive a limit
in 4 hours
2
Complete onboarding
in 30 mins
3
Upload invoices
in 5 mins
Receive funds
in 30 mins

Are you eligible for financing with Comfi

UAE registered business
B2B business type
Step 1: Check your eligibility for Comfi financing
More than 6 months in operations
Step 2: Upload your invoices to the Comfi platform
More than AED 300,000 
in monthly revenue

How Comfi's Invoice Discounting makes capital seamless for SMEs

Here's what you can expect with Comfi.

100% of invoice value financed

Unlock 100% of your invoices value within hours, so you can grow without the wait.

Funds straight to your bank account

The funds are transferred directly to your business bank account and not a virtual account, allowing you to use it wherever you see a fit.

No restriction on buyers

We finance tax invoices issued to any B2B buyer as long as they are a UAE registered business.

Why UAE businesses love Comfi

Learn how Comfi helps SME owners unlock their next stage of growth.

“Comfi has helped us turn our receivables into growth capital. Their solution removed cash flow bottlenecks and allowed us to scale operations with confidence.”

- Anamika Hans, COO & Co-founder, Bevarabia
Read full story

“In our business, timing is everything. When projects slow down or materials get delayed, cash flow pressure builds quickly. Comfi gave us dependable support and liquidity exactly when we needed it.”

- Oliver Kay, Owner & CEO, Dubai Cranes
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“Comfi made it easy for us to improve our working capital at a critical time — seamless, transparent, and exactly as promised.”

- Raja Abuljebain, CEO, Essentially Juices Manufacturing LLC
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“We are no longer offering any new credit terms unless it goes through Comfi. It’s cost effective to maintain credit business, as they take away all the risk and collection headaches.”

- Rohit Thomas, CEO, RF Technologies
Read full story

“Comfi has helped us turn our receivables into growth capital. Their solution removed cash flow bottlenecks and allowed us to scale operations with confidence.”

- Anamika Hans, COO & Co-founder, Bevarabia
Read full story
See what Comfi can do for you
Learn how Comfi can help you unlock working capital so you can grow without delays.
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Frequently Asked Questions about Comfi's Invoice Discounting

What is Invoice Discounting?

Comfi’s invoice discounting is designed for SMEs to unlock working capital trapped in outstanding receivables in just 24 hours.

Invoice discounting allows you to simply upload your outstanding client invoices onto Comfi’s secure platform, and get paid instantly. You can then collect payments from your clients as per your usual terms and re-pay Comfi flexibly in 30-90 days.

What are Comfi’s approval requirements and eligibility criteria for Invoice Discounting?

Comfi’s eligibility criteria are designed for growing SMEs and trading companies that need quick access to working capital. A business must be in operation for atleast 6 months, and have an average monthly revenue of AED 300,000.

How is Invoice Discounting different from invoice factoring?

Invoice Discounting is confidential and keeps customer communication under your control. In factoring, the finance provider collects payments directly from the buyer. Comfi’s model ensures you maintain full ownership of the customer relationship. Comparing your options? See our guide to the invoice discounting providers in the UAE.

What payment terms does Comfi offer for invoice discounting?

Comfi offers flexible payment terms across 30, 60, and 90 days with 2 to 3 installments. These payment options allow SMEs to grow without cash flow pressure while still meeting their supplier obligations on time.

What should be the age of the invoices I can upload?

For invoice discounting, we do not accept invoices older than 45 days.

Are there any processing fees or service charges?

Comfi maintains transparent pricing with zero processing fees and service charges shared upfront. There are no hidden costs, so SMEs always know exactly what they are paying for.

How quickly can I receive funds through invoice discounting?

With Comfi, you can receive 100% of your outstanding receivable invoice value upfront within 24 hours. This rapid funding allows you to bypass traditional 30, 60, or 90-day payment cycles and reinvest in your business immediately. Our streamlined process ensures you get the capital you need without any processing fees.

Can startups and new businesses use invoice discounting?

To qualify for Comfi's invoice discounting, your business must be UAE-registered and have at least 6 months of operating history. We also require a minimum monthly revenue of AED 300,000 from B2B operations. If your business meets these criteria and has tax invoices issued within the last 45 days, you are eligible to apply.