Trade finance · UAE · Pre-launch

Approved invoices. Cash in minutes.

سيولة فورية لمنشآتك، من فواتيرك المعتمدة

Built for UAE SMEs · Free, non-binding

Illustrative · product in development
INV-2026-0417 Approved by buyer

Invoice value

AED 0.00

AED 410,125 advanced now AED 72,375 reserve

Reserve released when your buyer pays, less fees

AI risk assessment
Low
Indicative fee at this risk
0.9% / 30 days
Target payout
Minutes
Buyer payment terms
90 days
Invoice approved Asharfi core Paid out in minutes
The problem

The money is earned.
The waiting is not.

00 days

Typical wait between invoice approval and payment on credit terms in the UAE.

Working capital gets trapped

Dirhams locked in receivables can't buy inventory, pay suppliers, or fund payroll.

Opportunities expire first

Discounts, contracts, and seasonal demand don't wait 90 days.

Cash flow caps growth

Payment terms, not demand, decide how big a business can get.

The gap isn't credit. It's a platform that can move money at the speed business happens. That's what we're building

Why today's options fall short
  1. Bank lending prices the company, not the invoice: collateral-heavy and weeks slow.
  2. Legacy factoring is manual, opaque, and all-or-nothing.
  3. Waiting it out is the most common choice, and the most expensive.
How it works

Approved invoice in.
Working capital out.

Conceptual flow · details finalised with pilot partners

  1. Submit an approved invoice

    Choose which buyer-approved receivables to unlock, invoice by invoice.

  2. AI reads the trade

    The engine prices the invoice, the buyer, and the relationship in real time.

  3. Receive your advance

    Up to 85% paid out through regulated rails, targeted within minutes.

  4. Buyer pays as usual

    Your customer keeps their terms. The advance settles; the remainder is released.

The front of the line gets funded first.