Turn your outstanding invoices into immediate working capital. UFC advances up to 90% of your invoice value — so your business keeps moving without waiting on customers to pay.
Adjust the sliders to see how much working capital you could unlock from your outstanding invoices. Your advisor confirms the exact rate at application.
Key terms at a glance. Your finance advisor walks through the full structure once you're ready to proceed.
Your finance advisor will confirm the full checklist. These are the core documents needed to assess your bills discounting facility.
Bills discounting is fast by design. Most facilities are approved and advanced within 24 hours of a complete submission.
Subject to UFC's credit approval process. Invoice eligibility depends on the creditworthiness of the debtor. Additional checks may apply.
Bills discounting allows your business to receive an advance — up to 90% of an invoice's value — before your customer pays. Instead of waiting 60 or 90 days for settlement, UFC advances the funds immediately. Once the customer pays, you receive the remaining balance minus the discount fee.
UFC accepts invoices issued to creditworthy corporates — including government entities, PDO contractors, and leading private sector companies. The invoice must be genuine, undisputed, and between OMR 10,000 and OMR 500,000. Your advisor will confirm eligibility based on the debtor.
A term loan is repaid over a fixed schedule regardless of your cash flow. Bills discounting is self-liquidating — it is repaid when your customer pays the invoice. This makes it ideal for businesses with strong receivables but uneven cash flow. It's also typically faster to arrange than a term loan.
This depends on the structure of the facility. In some cases the arrangement is disclosed to the debtor; in others it remains confidential. Your finance advisor will explain the options and recommend the most appropriate structure for your business relationship.
Once your facility is established, subsequent drawdowns on new invoices can be processed very quickly — often same day. The initial setup involves a one-time credit assessment which is typically completed within 24 hours of a complete submission.
UFC offers a full suite of working capital solutions — Debt Factoring, Cheque Discounting, Receivable Finance, and Bank Guarantees. Each is designed for a specific cash flow scenario. Speak to your advisor to find the right fit for your business.