Our Product
Invoice Financing for UAE SMEs
Unlock working capital from approved B2B invoices instead of waiting 30–90 days for payment. Eligible UAE SMEs can access advances of up to 90%, with review targeted within 24–48 hours once documents are complete.
What Is Invoice Financing?
Invoice financing (also called invoice discounting) lets you unlock capital tied up in your outstanding accounts receivable. Instead of waiting 30, 60, or 90+ days for your customers to pay, you sell or pledge your invoices to get immediate cash.
You receive an advance of up to 90% of the invoice value upfront. When your customer pays the invoice, you receive the remaining balance minus a small financing fee. It's fast, flexible, and designed for businesses that need cash flow — not more debt.
Your Invoice
AED 100,000
Advance (up to 90%)
AED 90,000 — in 24-48hrs
Customer Pays
Invoice settled at maturity
Balance Released
Remaining amount minus fees
Benefits
Why Invoice Financing?
Improves Cash Flow
Stop waiting 60-120 days for customers to pay. Convert outstanding invoices into immediate working capital to cover payroll, suppliers, and day-to-day operations.
Simple & Transparent
No hidden fees, no complex covenants. You see exactly what you pay before you commit — clear pricing from day one.
Quick Access to Capital
Get funded in 24-48 hours, not weeks or months. Our streamlined process is designed to get capital in your hands when you actually need it.
Enables Growth
Take on larger orders and new customers with confidence. Scale your business without being held back by slow-paying clients.
Process
How It Works
A transparent, four-step process from application to funding.
Submit Your Application
Upload your company documents and financial information. Our secure platform makes it easy to share what we need.
Get Approved
Our team reviews your application and assesses your eligibility. Expect a decision within 24-48 hours.
Upload Invoices
Once approved, submit the invoices you want financed. We verify the invoice details and your debtor's creditworthiness.
Receive Funding
Get up to 90% of the invoice value advanced directly to your account. The remaining balance (minus fees) is settled when your customer pays.
Eligibility
Is Invoice Financing Right for Your Business?
- A UAE-registered business operating for at least one year
- B2B invoices issued to established corporate debtors
- Typical invoice payment terms of 30 to 90 days
- Business and invoice documents available for human review
Frequently Asked Questions
Who can apply for invoice financing in the UAE?
Epitomi is designed for UAE SMEs with B2B invoices, an operating history of at least one year, and established corporate debtors. Every application remains subject to document, KYC, and credit review.
How much of an invoice can be advanced?
Eligible businesses may receive an advance of up to 90% of an approved invoice. The final advance rate depends on the business, debtor, invoice, and facility review.
How quickly can funding be reviewed?
Epitomi targets a 24–48 hour review once the required business, owner, financial, and invoice documents are complete.
Is invoice financing the same as a traditional business loan?
Invoice financing is tied to eligible receivables rather than a general-purpose term loan. You choose which approved invoices to finance and receive the final terms before committing.
Stop Waiting. Start Growing.
Check your eligibility in minutes — no commitment, no fees.
Check Your Eligibility