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-2026-0417Approved by buyer

Invoice value

AED 0.00

AED 410,125 advanced nowAED 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 approvedAsharfi corePaid 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 a lack of credit. It's a platform that moves at the speed of business.

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

    Pick which receivables to unlock.

  2. AI reads the trade

    Priced by AI in real time.

  3. Receive your advance

    Up to 85%, within minutes.

  4. Buyer pays as usual

    Nothing changes for your buyer.

The front of the line gets funded first.