Invoice Amount
10,000 – 500,000
SME Bills Discounting
90
%Max advance on invoice
500
KMax facility ()
24
hrProcessing time
Leading
Corporates accepted
Product Details
What you need to know
Key terms at a glance. Your finance advisor walks through the full structure once you're ready to proceed.
Max Advance
Up to 90% of invoice value
Eligible Invoices
Invoices on leading corporates
Facility Type
Revolving — draw when needed
Discount Fee
Competitive — confirmed at application
Processing Time
Within 24 hours
Balance on Collection
Remaining % paid when customer settles
Finance Advisor
Dedicated from day one
All applicants subject to credit assessment. Invoice eligibility depends on the creditworthiness of the invoice debtor. Final terms confirmed by your finance advisor.
Application Checklist
Ready to Apply?
Your finance advisor will confirm the full checklist. These are the core documents needed to assess your bills discounting facility.
Company Commercial Registration (CR)
BusinessValid CR certificate issued by the Ministry of Commerce. Must be current and reflect accurate business activity.
Original Invoices
InvoicesInvoices to be discounted, issued to the corporate debtor. Must be genuine, undisputed trade invoices with clear payment terms.
Business Bank Statements
FinancialsLast 6 months of business account statements. Demonstrates trading activity and existing payment patterns.
Owner / Authorised Signatory ID
IdentityOmani national ID or valid residence card of the business owner or authorised signatory. Original + copy.
Additional documents may be required depending on invoice size and debtor profile. Your finance advisor will confirm.
Simple process
3 simple stepsto your Bills Discounting
Bills discounting is fast by design. Most facilities are approved and advanced within 24 hours of a complete submission.
Submit your invoices
Call 8000 83 22, WhatsApp 9266 7773, or visit any branch. Share your invoices, CR and bank statements with your finance advisor.
Invoice assessment & approval
UFC assesses the invoice and the creditworthiness of your debtor. Most approvals are completed within 24 hours of a complete submission.
Receive your advance
UFC advances up to 90% of the invoice value directly to your account. The remaining balance is paid once your customer settles.
Subject to UFC's credit approval process. Invoice eligibility depends on the creditworthiness of the debtor. Additional checks may apply.
FAQ
Frequently asked questions
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.
REGULATED & COMPLIANT
