Clear pre-check
See fit and required documents before preparing a full file.
UAE invoice financing & business finance
Invoice financing and working capital for UAE businesses
Unlock cash with invoice financing (also called invoice advance or invoice discounting), boost working capital, or fund suppliers later. Limits and rates stay estimates until review—written terms before you accept.
No funding promise until identity, document, and credit review finish and you sign an official offer.
Clear standards before any offer
See fit, documents, and written terms first. Funding is never promised until underwriting finishes and you sign an official offer.
Clear review timeline
See what happens after upload and when to expect the next update.
Explicit documents
See what to upload next without guessing.
Manual review
When the file needs context, a human specialist steps in.
How it works, step by step
We keep things simple. You'll always know what documents we need and what happens next.
Start with a work email
Start with a quick check before preparing a full file.
Share the right business document
Typical next documents are a bank statement, invoice, or company detail.
Feedback in 24 hours
First feedback follows the document review, typically within 24 hours.
SME_Invoice_10482_Dubai.pdf
File size: 1.2 MB · Uploaded: Just now
- Exporter (Borrower)
- Al-Maktoum Logistics Ltd.
- Importer (Debtor)
- Emirates Trade Corp.
- Invoice value
- 150,000.00 AED
Pre-check ready
Limit up to 150,000 AED calculated automatically.
No approval or funding promise before a signed offer.
Fair terms, no false promises
We believe in being upfront. You get a clear process and real terms instead of fake 'instant approval' gimmicks.
Offer terms shared in writing
Fees, tenure, and repayment terms are shared before acceptance.
Final review follows the full file
Initial fit never replaces identity checks, document review, or final credit assessment.
Escalation path for complex cases
Non-standard ownership or mixed income profiles can move to manual review.
«With Salam Dirham we had a decision within a day. No branch visits, no empty promises — just clear speed and transparent financing terms.»
Import & logistics SME
Dubai, UAE
Frequently asked questions
What exactly is Salam Dirham?
We're a digital financing platform built for UAE businesses. Use one workspace for invoice financing (invoice advance / invoice discounting), working capital, or purchase order funding—upload documents and see clear written terms before you agree to anything.
Who can apply?
If you have a registered UAE business with a valid trade license and an active bank account, you're good to start! Expat-led businesses are absolutely welcome too.
How quickly will I hear back?
Usually within 24 hours. Once you upload a complete set of documents, our team gets to work fast to give you initial feedback.
Is my funding guaranteed?
Not automatically. The initial checks help us see if we're a good fit, but we can't promise funding until we've fully reviewed your file and you've signed an official offer.
What kind of financing do you offer?
Invoice financing through our Invoice Advance product, plus Working Capital and Purchase order funding. If you searched for invoice discounting or factoring for B2B receivables, start with Invoice Advance.
Why use this instead of a traditional bank loan?
We move much faster on first feedback and keep everything online. No branch visits, no endless paperwork piles. We're designed for trade-linked businesses that need a clear first answer—usually within about 24 hours—not fake instant approval.