Free ToolsInvoice Discounting Calculator

Invoice Discounting
Calculator

Calculate how much cash you can unlock from your outstanding invoices. See your net proceeds, repayment schedule, and total cost of financing, instantly.

Calculate your invoice proceeds
Total Invoice Value (AED)
Payment Terms
days
30 days
60 days
90 days
Monthly Rate: {percent_value}%
1.0%.
1.0%
2.5%
Average Invoice Discounting rates in the UAE market range between 1.5% to 2.5% per month. Actual rates vary by provider, payment term duration, invoice amount, and client profile.
Calculate Proceeds
Your Results
Cash You Receive Within Hours
AED {amount}
Invoice value
AED {amount}
Service fee
AED {amount}
Amount received (invoice − fee)
AED {amount}
Days of cash flow unlocked
{days}
📅 Repayment Breakdown
Based on equal monthly installments collected from your customer's payment:
Installment
Due Date
Amount (AED)
1st installment
Day 30
AED {amount}
2nd installment
Day 60
AED {amount}
3rd installment
Day 90
AED {amount}
Total repayment
AED {amount}
💰 Your Savings with Invoice Discounting
Working capital unlocked per cycle
AED {amount}
Annual working capital freed up
AED {amount}
Net cash benefit
AED {amount}
Ready to unlock your invoices?
Get Started

What is Invoice Discounting?

Invoice discounting is a form of short-term business financing where companies sell their outstanding B2B invoices to a finance provider (like Comfi) at a small discount in exchange for immediate cash. Instead of waiting 30, 60, or 90 days for customers to pay, you receive funds within hours.

Unlike invoice factoring, invoice discounting is confidential, meaning your customers never know a third party is involved. You maintain full control of your client relationships and collection process.

How Invoice Discounting Works in the UAE

Submit invoices
Upload your receivable B2B invoices to the Comfi platform.
Quick verificiation
Comfi verifies the invoices in minutes.
Get paid
You receive 100% of the receivable invoices' value within hours.

How the Calculation Works

Service Fee = Invoice Value × Monthly Rate × Number of Months
Amount Received = Invoice Value − Service Fee

For example, if you discount a AED 100,000 invoice with 60-day terms at 1.8%/month, the fee is 100,000 × 1.8% × 2 = AED 3,600. You receive AED 96,400 within hours. You repay Comfi in 2 monthly installments of AED 50,000 each (on Day 30 and Day 60).

Invoice Discounting vs. Other Financing Options

Feature
Speed
Collateral
Long-term debt
Customer aware?
Scales with revenue
Invoice Discounting
Hours
Invoice itself
No
No
Yes
Bank Overdraft
Days–Weeks
Property / Assets
Yes
N/A
Fixed limit
Business Loan
Weeks–Months
Property / Assets
Yes
N/A
N/A

Who Should Use Invoice Discounting?

Invoice discounting is ideal for B2B businesses in the UAE with reliable corporate customers who pay on time but take 30–90 days. Common industries include:

Food & Beverage
Get the capital you need to grow in peak demand seasons.
Construction
Great construction businesses are built on strong cash flow foundations. Comfi lays them.
Professional Services
Get paid faster on long client payment cycles while delivering projects smoothly.
Electrical & Appliances Wholesale
Stock more, serve more, and scale without limits.
IT Solutions & Services
Cover payroll and project costs while clients pay on extended credit terms.
Industrial Equipment
Don't let delayed payments stall your production line.
Agriculture Wholesale
Agriculture wholesale businesses grow when cash flow is as reliable as the harvest.

Comfi also offers B2B Buy Now Pay Later for businesses that need flexible payment options for their buyers.

Why UAE SMEs Choose Comfi for Invoice Discounting

Same-day funding — Receive cash within hours, not weeks
No collateral required — Your invoice is the asset
100% confidential — Your customers are never contacted
Transparent pricing — No hidden fees, no processing charges
Scales with your business — The more you invoice, the more you can access

See how Comfi has transformed the way SMEs access capital and growth in our case studies.

Get your invoices paid. Today.

Stop waiting 60+ days for your cash. Comfi pays you within hours, so you can reinvest and grow.

Apply Now
Comfi Products
Invoice Discounting
Buy Now Pay Later
Dealer Financing
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💡 Did you know?

UAE SMEs wait an average of 67 days to get paid on their invoices. That's over 2 months of cash trapped in the payment cycle.


Invoice Discounting can release that cash in hours.

Case Studies
See how businesses like yours are using Comfi to unlock growth.
Explore our 

case studies

See what Comfi can do for you

Learn how Comfi can help you unlock working capital so you can grow without delays.
Get Started
Comfi invoice discounting platform dashboard showing payment schedules, credit limit, and invoice status

Frequently asked questions about Comfi

Contact Us

How quickly can I get funded?

With Comfi's Invoice Discounting, you can receive cash within hours of submitting your invoice. Say goodbye to lengthy approval processes. Just upload your invoice, we verify it, and you get paid. All on the same day.

What's the difference between Invoice Discounting and factoring?

Invoice discounting lets you maintain your customer relationships with your buyers don't know a third party is involved. With factoring, the factor takes over collection from your customers. Comfi offers invoice discounting, keeping you in control.

How does the repayment work?

Repayments are collected in equal monthly installments based on the invoice payment terms. For 30-day terms, there's 1 installment on day 30. For 60-day terms, 2 installments (day 30 and 60). For 90-day terms, 3 installments (day 30, 60, and 90). This aligns with when your customer pays you.

What are the typical rates?

Average invoice discounting rates in the UAE market are between 1.5% to 2.5% per month. Actual rates vary by provider, payment terms, invoice amount, and client profile. Use the slider above to model different scenarios, or contact us for a personalised quote.

What are the eligibility requirements?

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.

Can I discount multiple invoices at once?

Yes. You can submit multiple invoices from different customers simultaneously. There's no limit on the number of invoices.