Invoice & Bill Discounting UAE — Cash From Unpaid Invoices
Advance up to 90% of your accepted invoices and trade bills from UAE banks and fintech lenders — recourse or non-recourse, confidential or disclosed, without waiting 60–120 days to get paid.
Top invoice discounting offers right now in UAE
Compare the latest business loan offers from leading UAE banks, tailored to your business.
Invoice and bill discounting lets a UAE business borrow against the value of invoices or trade bills it has issued but not yet been paid for — unlocking cash tied up in 60–120-day payment terms without taking on a term loan. The lender advances a percentage of the invoice value (commonly 80–90%) within a day or two, then releases the balance, less a discount charge, once your customer settles. It comes in two key flavours: recourse discounting, where you remain liable if your customer fails to pay (cheaper, the norm in the UAE), and non-recourse, where the lender absorbs the buyer-default risk for a higher fee. It can also be confidential (your customer is unaware) or disclosed. Eligibility rests on the credit quality of your debtors and your invoicing track record rather than your own balance sheet, making it accessible to growing SMEs. FinanceMarket.ae matches your debtor book and sector to the banks and fintech lenders offering the highest advance ratios and lowest discount rates.
- Advance up to 90% of invoice value
- Recourse or non-recourse structures
- Confidential or disclosed discounting
- Funds in 24–48 hours on accepted invoices
Documents Required to Apply for a Business Loan in Dubai, the UAE
Pick your profile below — the checklist differs by applicant type.
- Valid Trade Licence (Mainland / DED)
- Memorandum of Association (MOA) & Share Certificates
- Chamber of Commerce registration certificate
- Office tenancy contract / Ejari
- Company profile and website
- 6–12 months company bank statements
- Audited financial statements for the last 2 years
- VAT certificate and VAT returns for the last 4 quarters
- Sample invoices and purchase orders (POs)
- Emirates ID & passport copies of all owners / partners
- UAE residence visa copies of owners / partners
- AECB credit report
- Post-dated cheques / collateral where applicable
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Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.
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