Turn invoices to cash without delays
Turn your outstanding invoices into working capital in hours.
Trusted by 1,000+ SMEs across the UAE
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
How to unlock capital with Comfi
From application to funds in hours and 3 simple steps.
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
More than 6 months in operations
More than AED 100,000
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 in the last 45 days to any B2B buyer, regardless of their location.
Why UAE businesses love Comfi
Learn how Comfi helps SME owners unlock their next stage of growth.
“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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“When we have cash in hand, we negotiate better with suppliers. That directly improves our margins. With Comfi, we can do that confidently.”
- Dharshan DC, International Sales Manager, Furniconcepts
“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
“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
Get paid today, not in 90 days
Stop waiting on unpaid invoices. Turn your receivables into instant cash with Comfi.
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.
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 100,000.
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.
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.