What is invoice financing?

Invoice financing lets you get paid immediately for your outstanding B2B invoices instead of waiting 30–90 days. You submit an invoice, we advance up to 90% of its value within hours, and collect from your customer when the invoice is due.

How quickly can I get funded?

Most businesses get approved within 1–2 business days and can receive funding the same day. Our automated underwriting evaluates your business in real-time, with no lengthy paperwork or weeks of waiting.

What are the requirements to qualify?

You need to be a UAE-registered B2B business that has been operating for at least 2 years with AED 250K+ annual revenue. Your corporate clients should be UAE-based with a solid payment history.

How much does it cost?

Pricing is simple and transparent: 3.5% for 30 days, 4.5% for 45 days, or 5% for 60 days of financing. For example, financing a AED 100,000 invoice for 60 days costs AED 5,000. No hidden fees, no setup costs.

Do my customers know I'm using invoice financing?

That depends on your preference. We can work on a disclosed or undisclosed basis. Many of our clients' customers don't know financing is involved; they simply pay the invoice as normal.

Is there a minimum or maximum amount?

We finance invoices from AED 10,000 up to AED 1,000,000. Facilities can scale as your business grows, with limits reviewed regularly based on your trading performance.

No. Invoice financing is not a loan. A loan is borrowed money you repay on a fixed schedule, with interest. Invoice financing is an advance against money your client already owes you. We advance most of that value upfront, typically up to 96.5%, and collect the remainder when your client settles the invoice. No monthly repayments, no interest compounding on a balance.

What if my client doesn't pay?

For invoice discounting, the repayment obligation stays with you. If a client misses their payment date, our team works with you to manage it. We're selective about which invoices we finance for this reason. For factoring, we will manage the repayment directly with your buyer, as they have agreed to pay Aura directly.

Do I need a UAE trade license?

Yes. You need an active UAE trade license, mainland or free zone, to qualify. If your license has expired, or you're operating without a formal company registration, you won't be eligible. Once renewed, with at least two years of trading history, you can apply.

Get paid today for your B2B invoices

Stop waiting 30–90 days. Get funding for your outstanding B2B invoices in days, not weeks. No collateral, no lengthy applications.

Apply Now →How it works ↓

Invoice

#INV-2024-0142

Due in 45 days

AED 50,000

Gulf Trading Co.

Ready to finance

AED 47,750 paid to you today

4.5% fee for 45 days

✓

Submit invoice

✓

Transaction approved

Disbursed today

How it works

Three steps to faster cash flow

Invoice financing is simple: you've earned the money, we just help you access it sooner so you can keep selling.

Business registration

Al Noor Trading LLC

Trade license #

Est. 2018

Continue →

Onboard online in minutes

Share information about your business. Our streamlined onboarding takes minutes, with no in-person visits or lengthy forms.

Approved

Credit limit: AED 500,000

Decision in 1–2 business days

Get approved within 1–2 days

We review your business profile. Most approvals come back within 1–2 business days. Once approved, you're good to go.

Invoice #INV-0142

AED 50,000

Sent to your account

AED 47,750

Today

4.5% fee · 45-day tenor

Submit invoices for financing

Submit an invoice and receive up to 96.5% of its value. You or your customer will repay Aura at the end of the agreed payment term.

Eligibility

Do you qualify?

Three criteria. Most established UAE B2B businesses meet all of them.

Established UAE business

UAE registered and trading for 2+ years, with at least AED 250K annual turnover.

B2B with UAE corporate clients

You sell to other businesses. Your clients are corporate entities registered in the UAE.

Clean payment history

Your clients pay regularly. We don't finance invoices from clients with outstanding overdue balances.

Check your eligibility →

What you need

Apply in minutes, not days

We've cut the paperwork to the minimum needed to make a credit decision.

To register your business

One-time setup, when you first onboard.

1
Trade license
Current UAE trade license, mainland or free zone.
2
Memorandum of Association (MOA)
Your company's constitutional document.
3
Bank statements
Last 6 months of business bank statements for all accounts.
4
Emirates IDs
Emirates ID of all business owners and authorized signatories.

For each transaction

Submitted each time you finance an invoice.

1
Previous invoices
Past invoices issued to the client you want to finance against.
2
Current purchase order
The PO from your client for the transaction.
3
Invoices to finance
The specific invoices you want us to fund.
4
Proof of acceptance
Confirmation from your client that the goods or services were received.

Or skip the uploads entirely

Connect your accounting tool

Connect Wafeq, Xero, or QuickBooks and we pull your invoices directly. No uploads needed.

WWafeq

ZZoho

XXero

QBQuickBooks

Transparent pricing

Simple, flat fees

One fee, no hidden costs. The rate depends on how long you need the financing.

Fee calculator

Invoice amountAED 100,000

AED 10KAED 500K

Financing period

Financing fee

AED 5,000

5% flat rate

You receive

AED 95,000

today, upfront

Pricing is indicative only and subject to final review.

Financing rates

Flat fee on financing value

No hidden fees

30 days

AED 3,500 for a AED 100,000 invoice

3.5%

45 days

AED 4,500 for a AED 100,000 invoice

4.5%

60 days

AED 5,000 for a AED 100,000 invoice

5.0%

No setup or onboarding fees

No early repayment penalties

No minimum commitment

Financing options

Invoice discounting vs factoring

We offer both. The right choice depends on whether your buyer can be involved and how large the invoice is.

Invoice Discounting

Invisible to your buyer

Buyer involvementNone, your buyer never knows

Financing limitsBased on your profile & history with us

PricingFixed flat fee

Who collectsYou, as normal

Transaction approvalAura approves based on transaction documents

Invoice Factoring

Higher limits, buyer in the loop

Buyer involvementRequired to sign notice of assignment

Financing limitsLikely higher based on your buyer's credit profile

PricingFixed flat fee, lower for select buyers

Who collectsAura, directly from your buyer

Transaction approvalBuyer approves each transaction

Not sure which applies to your situation? We'll figure it out together on the intro call.

Why Aura

Built for how businesses actually work

Fast decisions, no collateral, no hidden fees. Built for UAE businesses that sell on credit terms.

Pre-approved limits

Know your available credit before you need it. Draw down as invoices come in.

Fast funding

Submit an invoice for financing, receive funds in days. No waiting for weeks.

No collateral required

We underwrite your invoices and customers, not your fixed assets.

Flexible terms

Finance what you need, when you need it. No minimum commitments.

Simple dashboard

Track all your financed invoices and repayments in one place.

Dedicated support

A team who understands your business. Not a chatbot.

FAQ

Frequently Asked Questions

Ready to get paid faster?

Book a 30-minute intro call. We'll walk through your business, confirm eligibility, and get you started. No commitment required.

Book an Intro Call

From our resources

Invoice discounting vs factoring →UAE SME guide to business loans →