Comfi advances up to 100% of approved B2B invoices within hours — pure receivables discounting. CredibleX lends against invoices for embedded-finance partners; EDB offers receivables/post-sales finance inside its development mandate.
Catalogue updated
Comfi Invoice and Receivables Finance Comfi The top catalogue-ranked product in this list — reasons cite the published fields below, not a paid placement. Methodology
Products are shown in catalogue order, not as a personalised recommendation. Compare the details and confirm current terms with the provider. Methodology
Invoice discounting and B2B buy-now-pay-later: Comfi advances up to 100% of an approved invoice within hours — receivables funding rather than a term loan, so it stays off the debt line.
Receivables finance, not a loan: advances up to 100% of invoice value at a disclosed discount fee. Licence status not publicly confirmed — verify directly. Per comfi.ai, Oct 2026.
ADGM-licensed SME lender: revenue-based financing where repayments track monthly sales — soft approvals in 24–48 hours, no collateral or personal guarantees required per provider.
Revenue-based financing: repayments are an agreed percentage of monthly sales, not fixed instalments; typically no collateral or personal guarantees. Facility terms quoted per application. Per crediblex.io, verified Oct 2026.
Federal development bank programmes: a Credit Guarantee Scheme covering part of the facility through partner banks, plus direct SME lending advertised up to AED 5 million within five working days via EDB 360 — focused on strategic sectors.
Credit Guarantee Scheme reported up to ~50% loan-to-value, tenors to 10 years and up to 6-month grace via partner banks; direct EDB 360 loans up to AED 5M subject to eligibility. Per edb.gov.ae, Oct 2026.
UAE invoice discounting and revenue-based liquidity — advance up to ~90% of invoice value, forfaiting and purchase-order funding for SMEs.
Rates and amounts per provider-published material, Oct 2026 — monthly fee rate, not APR. Operated by Arnifi Technologies Forfaiting Services Co LLC (Dubai DED licence).
Buys medical-insurance receivables so clinics get paid in ~24 hours instead of waiting 90+ days on insurer claims — Emirates Development Bank partner.
Funding speed and advance rates per provider-published material and EDB partnership announcement, Oct 2026.
Accounts-receivable automation for MENA B2B — payment links, collections and ERP sync, plus advances up to ~95% of approved invoices.
Advance rates per provider-published material, Oct 2026.
CBUAE-licensed finance company focused on SME receivables — factoring, invoice discounting, POS-receivable loans, term loans and guarantees.
Licence per CBUAE public register (02.01.01.023.2016.01); product scope per company filings, Oct 2026.
ADGM-registered digital factoring — sells your B2B receivables for a daily fee instead of a traditional interest-bearing loan.
Model and timing per provider site, Oct 2026; confirm current onboarding and fee schedule with eFunder.
| Product | Rate | Decision | Sharia-compliant | Free zone |
|---|---|---|---|---|
| Comfi Invoice and Receivables Finance | Not published | within hours per invoice | Not published | Not published |
| CredibleX SME Financing | Not published | 1–2 days (soft approval) | Not published | Not published |
| EDB SME Finance and Credit Guarantee | Not published | 5 working days (EDB 360, subject to eligibility) | Not published | Not published |
| Fincobox | 1–2.5% | Approval in under 7 days (provider claim) | Not published | Yes |
| Klaim | Not published | ~24-hour funding on approved claims (provider claim) | Not published | Yes |
| Kema | Not published | Not published | Not published | Yes |
| Al Ain Finance | Not published | Not published | Not published | Yes |
| eFunder | Not published | Advances within ~24h (provider claim) | Not published | Yes |
Fact sources: crediblex.io · trustpilot.com · mastercard.com · kema.co
For a free-zone company: shortlist first — free-zone onboarding on published criteria: Fincobox and Klaim and Kema. For founders outside the UAE: remote onboarding with no branch visit: Comfi Invoice and Receivables Finance and CredibleX SME Financing and EDB SME Finance and Credit Guarantee. For anyone needing it live soon: fastest stated approval: CredibleX SME Financing — still subject to compliance review.