User guide

Who uses the platform

Part 1. Client instructions

1.1. Getting started

1. Open the landing page.
2. Choose a financing product or open its detail page:
   • Invoice Advance — finance against unpaid invoices
   • Business working capital — working-capital facility
   • Purchase order funding — defer supplier payments
3. Click Fill in the application / Start application — you are routed to register or sign in.
4. Create an account or sign in with email + password (at least 8 characters). If email confirmation is required, open the link from your inbox, then sign in.

After sign-in, clients land in the workspace.

1.2. What the client sees in the Dashboard

On the overview:

• Available limit — remaining financing headroom
• Outstanding / Active facilities — active loans and balance
• Next payment — upcoming repayment
• Applications in review — applications being processed
• Action required — approved offers waiting for confirmation

Sidebar navigation:

1.3. Submitting an application — step by step

Wizard: https://salam-dirham.monster-automation.com/dashboard/apply

Step 1 — Product

• Pick one of three products.
• See max limit (up to AED 1,000,000 / 500,000 / 750,000) and estimated rate range.

Step 2 — Details

Product-specific questionnaire:

Progress auto-saves. Drafts appear under Drafts in Application center.

Step 3 — Documents

Upload PDFs or photos. Document groups:

Invoice Advance & PO funding (full B2B pack):

• Invoice (Invoice Advance only)
• Trade License, MOA
• Company bank statement, FTA, Ejari (office)
• AECB (company)
• Emirates ID, Passport, Selfie
• Personal bank statement, AECB (personal)
• Optional: DEWA / residential Ejari

Working capital — same corporate pack without invoice.

On mobile you can capture Emirates ID and selfie in the browser.

Dev only: on the Upload step, Load N sample PDFs pulls fixtures from /dev/apply-samples/.

Step 4 — Review (AI analysis)

After Submit for review:

• Status becomes AI_PROCESSING
• Screen shows “We're reviewing your application”
• AI parses documents and runs scoring

Step 5 — Offer (result)

Partial approval shows a lower Approved limit; the client can adjust Selected amount within that cap.

Step 6 — Accept offer

On the offer screen:

1. Review Offer breakdown (amount, term, monthly payment)
2. Adjust Selected amount if needed
3. Click Accept offer

Client receives:

• Status stays APPROVED; offer_accepted_at is recorded
• Funding screen — “We're preparing your payout”
• Status email (when Resend is configured)
• Application moves from Needs your action to awaiting disbursement

Step 7 — Funding → Funded

After admin clicks Mark as funded:

• Status → FUNDED
• A loan is created
• Active loan appears under Financing → My loans
• On /dashboard/loans/{id}: schedule, balance, Download agreement (facility PDF)

1.4. What the client can download

Clients cannot download the AI report — admin only.

1.5. Client emails

Part 3. User stories with direct links

Story 1 — New client submits first application

As a UAE SME owner, I want to apply for Invoice Advance so that I can finance an unpaid invoice.

1. Landing → Invoice Advance
2. Register
3. Apply wizard → Product → Details → Upload → Submit
4. Offer screen → Accept offer (if APPROVED)
5. Dashboard → track status

Expected: APPROVED or MANUAL_REVIEW + status email.

Story 2 — Client accepts a ready offer

As a client with an approved application, I want to confirm terms so that disbursement can proceed.

• Dashboard — Action required
• Application center
• Apply → Offer step

Expected: offer_accepted_at set, Funding screen, admin sees “ready for disbursement”.

Story 3 — Client uploads documents on admin request

As a client, I want to upload additional files so that review can continue.

1. Email: Action needed: A quick document request
2. Application center — draft restored
3. Apply → Upload → upload → Submit again

Expected: AI_PROCESSING → MANUAL_REVIEW / APPROVED.

Story 7 — Client tracks active loan and payments

As a funded client, I want balance and payment history so that I can plan repayments.

• Dashboard — Active loans
• loan_001
• Payments
• Download agreement on loan page

Status → client experience