Comfi · invoice discounting / B2B receivables finance
Comfi Invoice and Receivables Finance
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.
Is Comfi Invoice and Receivables Finance worth it?
- founders outside the UAE: Comfi Invoice and Receivables Finance onboards fully remotely — no branch visit required.
Eligibility
- Eligibility notes
- B2B suppliers roughly 12+ months operating with ~AED 300k+ monthly turnover; approval is assessed per buyer and per invoice.
- Not suitable for
- businesses without B2B invoices — receivables finance needs payable invoices to fund. Companies wanting revolving credit, term loans or POS-based advances
Business operations
- Approval time
- within hours per invoice
- Branch visit
- Not required
How onboarding goes
- Application: Submit the request through the provider’s channel and upload documents
- Compliance review: KYC checks and document verification
- Decision: Typical timing: within hours per invoice
- Go live: Access activated and the product is live
Documents you'll typically need
- Trade licence and Memorandum of Association
- 6–12 months of business bank statements
- Filed VAT returns and latest financial statements
- Invoices or contracts evidencing revenue (for invoice and revenue-based products)
Typical pack for this category — the provider confirms the exact list on application.
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.
Verified answers
How fast does Comfi fund an invoice?
Funding within 24 hours of invoice approval. Eligibility checks take minutes and a limit decision is given within 4 hours from 4 documents: trade licence, 6-month bank statement, Emirates ID and MOA.
Source: comfi.ai · verified
How much of the invoice does Comfi advance?
100% of invoice value is financed, paid directly to the business’s own bank account — not a virtual account. Tax invoices must be issued within the last 45 days; buyers can be located anywhere.
Source: comfi.ai · verified
What does Comfi charge?
Comfi states zero processing fees; service charges are shared upfront with no hidden costs. Exact pricing depends on the facility and is agreed per client — there is no public rate card.
Source: comfi.ai · verified
Who is eligible for Comfi invoice finance?
B2B suppliers holding an active UAE trade licence, with a minimum monthly revenue of AED 300,000 from B2B operations and at least 12 months of operating history. Tax invoices must have been issued within the last 45 days. No collateral is required — Comfi is not a traditional lender.
Source: comfi.ai · verified
Which sectors does Comfi not serve?
Comfi does not currently serve tourism, hospitality, car rental, restaurants, events, or sea shipping. It serves agriculture wholesale, construction, F&B, IT services, electrical and industrial equipment, professional services and automotive.
Source: comfi.ai · verified
What other products does Comfi offer?
B2B Buy Now Pay Later (buyers get 30/60/90-day terms while suppliers are paid 100% upfront), automotive Dealer Financing (funding in 24 hours, 30–90 day terms), and Installments (buyers split into 2–3 payments over 60 or 90 days).
Source: comfi.ai · verified
Frequently asked questions
Is Comfi Invoice and Receivables Finance worth it for founders outside the UAE?
Yes — Comfi Invoice and Receivables Finance onboards fully remotely — no branch visit required.