Invoice advance
Invoice advance lets a UAE business unlock cash from approved B2B invoices before the buyer pays. You upload invoices and company documents, receive indicative terms after document review, then complete underwriting and sign an offer before funds are released. It is designed for suppliers and traders with clear receivables—not a promise of instant approval, unlimited credit, or funding before checks finish.
When invoice advance fits
It suits businesses with reliable corporate buyers and invoices on roughly 30–90 day terms. If cash is trapped in receivables while you must fund the next operating cycle, invoice advance is usually the first product to compare against waiting for settlement. Weak invoice clarity, disputed deliveries, or missing buyer context make files slower and more likely to need manual review.
Typical documents and first-feedback timeline
Expect invoice files, trade license records, company banking statements, and buyer details. Salam Dirham aims for clear first feedback after document review—often within about 24 hours when the upload is complete. That first feedback is a fit and documentation signal, not a final credit decision. Final pricing and disbursement only follow identity checks, validation, credit assessment, and a signed offer.
Indicative terms vs funded offer
After a complete upload you may see initial pricing and tenure ranges. Those figures help you compare options early. They are not a commitment to fund. The funded offer is issued only after underwriting finishes and you sign. If buyer quality, invoice clarity, or company files change during review, terms can move—or the file can be declined—before any disbursement.
How it differs from classic factoring language
People often search for factoring when they mean financing receivables. Classic factoring can involve assigning invoices, recourse rules, and long onboarding. Invoice advance on Salam Dirham is a digital workflow focused on transparent indicative terms and documented underwriting. Read the offer letter for fees, repayment timing, and obligations before you accept—labels differ across providers even when the cash-flow problem looks the same.
What underwriters scrutinize on invoice files
Underwriters look at invoice authenticity signals, buyer concentration, aging, and whether company banking supports the repayment story. Mismatched legal names, truncated invoices, or statement gaps create follow-up requests. Preparing a clean pack up front shortens the path from indicative terms to a signed offer and reduces the chance of last-minute surprises.
When another Salam Dirham product fits better
If you do not have invoices yet but must pay suppliers for goods you need now, review purchase order funding. If the need is general operating runway rather than a specific receivable, review working capital. Choosing the wrong product creates rework: you will re-upload documents and restart narrative explanations for underwriters.