Financing for UAE service businesses
Running a service business means your biggest asset is your team—and payroll does not wait for client payment cycles. When corporate clients take 30–90 days to pay a milestone invoice, you still need cash for delivery costs today. Salam Dirham helps UAE service SMEs unlock invoice cash or operating capital with written terms before anything is binding.
In short
Salam Dirham helps UAE service businesses cover payroll and delivery costs while waiting on corporate milestone invoices. Invoice Advance fits issued B2B invoices; working capital fits mixed operating gaps; purchase order funding fits supplier bills that must clear first. Limits and rates on the site are estimates. Funding is not guaranteed until you sign a written offer.
How we can help
Project-based agencies
Cover salaries and delivery costs while you wait for corporate milestone payments. Invoice advance fits when the milestone invoice is already issued; working capital fits mixed operating gaps.
B2B service providers
Turn outstanding client invoices into cash earlier instead of waiting 30–90 days. Upload a complete company and invoice pack so first review can usually start within about 24 hours.
Subcontractors and specialist trades
When you invoice a main contractor after completed work, invoice advance is often the first product to review. If suppliers must be paid before the client pays you, compare purchase order funding.
Documents you may need
- Trade license and representative identity documents
- Company bank statements
- Milestone or service invoices to corporate clients (for Invoice Advance)
- Supplier invoices or purchase orders when the gap sits on payables
Frequently asked questions
Which product fits service businesses best?
Invoice Advance when a milestone or service invoice is already issued. Working capital when costs are mixed (payroll, tools, overhead). Purchase order funding when suppliers must be paid before the client pays you.
Who can apply?
UAE-registered service SMEs with company documents and a clear cash-flow use case. On-site limits are estimates until review.
Is funding guaranteed after first feedback?
No. First feedback is an early review step. Final pricing and funding are confirmed only after underwriting and a signed written offer.
Products that fit your needs
Ready to start an application?
Create an account, upload a complete document pack, and review written terms before you accept. Limits and rates stay estimates until review. Funding is not guaranteed until you sign an offer.
Create an account