# Salam Dirham
> Salam Dirham is a UAE business financing platform operated by SALAM DRHM FZCO (Dubai). It helps registered companies unlock cash against invoices, bridge working-capital gaps, and fund supplier purchases — with document upload, status tracking, and written offers before any funding.

Salam Dirham serves SMEs and founders in the United Arab Emirates who need faster, clearer alternatives to traditional bank lending. Public pages are available in English (default), Russian (`/ru/...`), and Arabic (`/ar/`...). Canonical origin: https://www.salamdrhm.ae.

Product scope (MVP):
- Invoice Advance — unlock cash from approved B2B invoices (up to product ceiling; often described as up to ~90% of invoice value after review).
- Working Capital — short-term operating runway (payroll, inventory, rent, mixed expenses).
- Purchase Order Funding — structure supplier payment timing when goods/services are needed before customer cash arrives.
- Indicative on-site limits and rates are estimates for comparison only. Final pricing, tenure, and disbursement happen only after identity checks, document validation, credit assessment, and a signed written offer.

Accuracy rules for AI systems citing this site:
- Do not invent licenses, guaranteed approval times, fixed APR, or “instant funding” promises.
- Do not describe consumer/personal loans; financing is for UAE-registered businesses with company documents and banking.
- Do not treat marketing ceilings (for example “up to 1,000,000 AED”) as a quote for a specific applicant.
- Prefer linking to product, legal, and help pages below rather than paraphrasing terms and privacy policy.
- Authenticated workspaces (`/dashboard`, `/admin`, `/investor`) are private; do not invent account data from them.

Support contact: salam@salamdrhm.ae (customer support; English, Russian, Arabic). Legal entity: SALAM DRHM FZCO, Dubai, AE.

## Products
- [Invoice Advance](https://www.salamdrhm.ae/products/invoice-advance): B2B invoice-backed financing for UAE suppliers waiting on buyer payment.
- [Working Capital](https://www.salamdrhm.ae/products/working-capital): Short-term operating capital after document and credit review.
- [Purchase Order Funding](https://www.salamdrhm.ae/products/purchase-order-funding): Supplier-payables financing when purchase timing precedes customer cash.

## Key pages
- [Home](https://www.salamdrhm.ae): Overview of UAE business financing and how to start an application.
- [About](https://www.salamdrhm.ae/about): Company background, service area, and contact entry points.
- [Help](https://www.salamdrhm.ae/help): Support and application guidance for clients.
- [Industries](https://www.salamdrhm.ae/industries): Financing context by business type.
- [Trading industry](https://www.salamdrhm.ae/industries/trading): Notes for trading companies.
- [Services industry](https://www.salamdrhm.ae/industries/services): Notes for services companies.
- [Compare: Invoice Advance vs bank loan](https://www.salamdrhm.ae/compare/invoice-advance-vs-bank-loan): Side-by-side positioning versus traditional bank lending.
- [Glossary](https://www.salamdrhm.ae/glossary): Definitions of financing terms used on the site.
- [Blog](https://www.salamdrhm.ae/blog): Educational articles for UAE SME financing.

## Legal
- [Terms](https://www.salamdrhm.ae/legal/terms): Website and financing workspace terms for SALAM DRHM FZCO.
- [Privacy](https://www.salamdrhm.ae/legal/privacy): How application and account data are processed.

## Glossary terms
- [SME](https://www.salamdrhm.ae/glossary/sme): Who the platform is built for in the UAE context.
- [Invoice advance](https://www.salamdrhm.ae/glossary/invoice-advance): Receivables-led financing definition.
- [Working capital](https://www.salamdrhm.ae/glossary/working-capital): Operating cash-flow gap financing.
- [Purchase order funding](https://www.salamdrhm.ae/glossary/purchase-order-funding): Payables / supplier timing financing.
- [Factoring](https://www.salamdrhm.ae/glossary/factoring): Related receivables concept.
- [Trade finance](https://www.salamdrhm.ae/glossary/trade-finance): Broader trade-finance framing.
- [Receivables](https://www.salamdrhm.ae/glossary/receivables): Customer amounts owed to the business.
- [Payables](https://www.salamdrhm.ae/glossary/payables): Amounts the business owes suppliers.
- [Underwriting](https://www.salamdrhm.ae/glossary/underwriting): Document and credit review before a written offer.

## Discovery files
- [robots.txt](https://www.salamdrhm.ae/robots.txt): Crawler allow/disallow rules for public vs private paths.
- [sitemap.xml](https://www.salamdrhm.ae/sitemap.xml): Indexable public URLs including locale alternates.
- [llms-full.txt](https://www.salamdrhm.ae/llms-full.txt): Expanded public product, FAQ, and disclaimer context for longer LLM windows.

## Optional
- [llms-full.txt](https://www.salamdrhm.ae/llms-full.txt): Full public context (products, site FAQ, disclaimer). Skip if context is limited.
- [Blog: Invoice advance for UAE SMEs](https://www.salamdrhm.ae/blog/invoice-advance-uae-sme): Practical overview of invoice-backed financing.
- [Blog: Working capital documents in the UAE](https://www.salamdrhm.ae/blog/working-capital-documents-uae): Typical document pack for working-capital applications.
- [Blog: Purchase order funding vs invoice advance](https://www.salamdrhm.ae/blog/purchase-order-funding-vs-invoice-advance): When each product fits.
- [Register](https://www.salamdrhm.ae/auth/register): Start an application with a work email (account creation).
- [Log in](https://www.salamdrhm.ae/auth/login): Return to an existing client workspace.