Fincobox · Invoice discounting
Fincobox
UAE invoice discounting and revenue-based liquidity — advance up to ~90% of invoice value, forfaiting and purchase-order funding for SMEs.
Is Fincobox worth it?
- free-zone companies: Fincobox onboards free-zone entities on its published criteria.
Pricing
- APR
- 1–2.5%
Eligibility
- Not suitable for
- businesses wanting a general-purpose loan — Fincobox is factoring for cross-border B2B invoices. Companies needing credit against domestic or consumer receivables
Business operations
- Approval time
- Approval in under 7 days (provider claim)
- Free-zone companies
- Yes
Details
- Cost model
- ~1–2.5% monthly + ~1% processing fee (provider-published)
- Amounts
- AED 50,000–2,000,000 (provider-published)
- Best for
- SMEs with B2B invoices awaiting payment
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: Approval in under 7 days (provider claim)
- 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.
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).
Verified answers
How much can a business raise through Fincobox?
Funding from AED 25,000 to AED 2 million across invoice discounting, revenue-based liquidity, short-term forfaiting and purchase-order liquidity, with approvals stated at 24–48 hours.
Source: fincobox.com · verified
What does Fincobox charge?
The FAQ states interest of 1–2.5% plus a 1% processing fee. Exact terms depend on the facility and are confirmed per application.
Source: fincobox.com · verified
How much of an invoice does Fincobox advance?
Up to 90% of unpaid B2B invoice value within 24 hours, no collateral required, covering domestic and export invoices.
Source: fincobox.com · verified
Who qualifies for Fincobox revenue-based liquidity?
E-commerce, SaaS, retail and subscription businesses with minimum monthly recurring revenue of AED 30,000; funding of AED 50,000–2,000,000 repaid as a percentage of monthly revenue.
Source: fincobox.com · verified
Who operates Fincobox?
Fincobox is operated by Arnifi Technologies Forfaiting Services Co LLC under a DED Dubai license; the company was founded in 2020 and is based in Al Garhoud, Dubai.
Source: fincobox.com · verified
Frequently asked questions
Is Fincobox worth it for free-zone companies?
Yes — Fincobox onboards free-zone entities on its published criteria.