Receivables Finance UAE — Factoring Against Your Debtor Book
Sell or borrow against your outstanding invoices through UAE banks and factoring companies — advance up to 90% of your debtor book, recourse or non-recourse, with optional credit control.
Top receivables finance offers right now in UAE
Compare the latest business loan offers from leading UAE banks, tailored to your business.
Receivables finance (factoring) is supplier-led working capital secured against the invoices a UAE business is owed — the mirror image of buyer-led payables finance. You assign your sales ledger to a bank or factoring company, which advances a large share of the invoice value (commonly 80–90%) immediately and releases the balance, less its fee, once your customer pays. Unlike confidential invoice discounting, full factoring is typically disclosed and the factor takes over collections, effectively outsourcing your credit-control function. It can be recourse (you cover unpaid invoices) or non-recourse (the factor absorbs approved-debtor defaults, usually backed by credit insurance). Because the facility is underwritten on the quality of your debtors rather than your own balance sheet, it scales automatically as your sales grow — ideal for fast-expanding SMEs and trading companies whose cash is otherwise locked in 60–120-day terms. FinanceMarket.ae matches your debtor concentration, sector, and turnover to the UAE factors offering the highest advance ratios and the best collection service.
- Advance up to 90% of your receivables
- Recourse or non-recourse factoring
- Optional outsourced credit control
- Funding that scales with your sales
Documents Required to Apply for a Business Loan in Dubai, the UAE
Pick your profile below — the checklist differs by applicant type.
- Valid Trade Licence (Mainland / DED)
- Memorandum of Association (MOA) & Share Certificates
- Chamber of Commerce registration certificate
- Office tenancy contract / Ejari
- Company profile and website
- 6–12 months company bank statements
- Audited financial statements for the last 2 years
- VAT certificate and VAT returns for the last 4 quarters
- Sample invoices and purchase orders (POs)
- Emirates ID & passport copies of all owners / partners
- UAE residence visa copies of owners / partners
- AECB credit report
- Post-dated cheques / collateral where applicable
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Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.