Convert Your Invoices
Into Instant Cash

Get 80-90% of your invoice value in 24 hours.
No collateral. No complex paperwork. Just fast funding.

DIFC Licensed
95% Approval Rate
Bank-Grade Security
90% Maximum Advance Rate
24hrs Funding Speed
ê 10K Minimum Invoice
0 Collateral Required

Get Funded in
Three Simple Steps

Seamlessly connect your accounting system and get cash in 24 hours

1

Connect & Select

We integrate with your ERP or accounting system (Zoho, Xero, QuickBooks). Select single or multiple invoices to finance with one click.

Auto-sync with your systems
2

Get Approval

Receive approval within 4 hours. Our AI instantly verifies your customer and assesses creditworthiness.

4-hour approval
3

Receive Funds

Get 80-90% of invoice value transferred directly to your account within 24 hours of approval.

Same-day transfer

Are You Eligible?

Simple, transparent requirements for UAE businesses

Business Registration

UAE registered business (mainland or free zone)

Monthly Revenue

Minimum ê 100K monthly revenue

Business History

6+ months operational history

Trade License

Valid and active trade license

Invoice Quality

Invoices to established businesses

Credit History

Clean credit history with no defaults

Quick Eligibility Check

Find out if you qualify in just 2 minutes. No commitment required.

Instant results
No credit impact
Free assessment
Check Your Eligibility

Industries We Finance

Specialized solutions for key UAE business sectors

Construction

Finance your project milestones and material purchases

Logistics

Smooth cash flow for fleet operations and expansion

Manufacturing

Fund raw materials and production cycles

Professional Services

Bridge payment gaps for consulting and services

Trading

Finance inventory and international trade deals

Healthcare

Manage insurance claim delays and equipment financing

Why Numu Wins

Compare us with traditional financing options

Traditional Banks

Legacy Financing

Approval Time
2-4 weeks
Advance Rate
60-70%
Minimum History
3 years required
Collateral
Required
Process
Manual paperwork
Support
Business hours only

Other Lenders

Alternative Finance

Approval Time
3-7 days
Advance Rate
70-80%
Minimum History
1 year required
Collateral
Required
Process
Partially digital
Support
Limited hours

Numu

Smart Invoice Finance

Approval Time
24 hours
Advance Rate
Up to 90%
Minimum History
Just 6 months
Collateral
Not required
Process
100% digital
Support
24/7 AI + Human

Join 500+ UAE businesses already using Numu

Calculate Your
Instant Cash Access

See exactly how much working capital you can unlock from your invoices

Your Invoice Details

Quick Estimate
ê AED
ê 10,000 ê 1,000,000

Rate depends on your customer's creditworthiness

No hidden fees
24-hour funding
You'll Receive
ê 83,470
In your account within 24 hours
Invoice Amount ê 100,000
Advance (85%) ê 85,000
Processing Fee (1.8%) - ê 1,530
Net Amount ê 83,470

Transparent & Affordable

Bank loans: 5-8% + hidden fees
Credit cards: 18-24% APR
Numu fee: Only 1.8% flat
No hidden charges, no surprises

No commitment • Free application

Stack Multiple Invoices

Finance up to ê 10M worth of invoices simultaneously

Simple Documentation

Just 3 documents needed: Trade license, bank statement, invoice

Flexible Terms

30 to 120 day payment terms accepted

Trusted by 500+
UAE Businesses

"Numu transformed our cash flow. We no longer worry about 60-day payment terms from our clients."

Ahmed Al Rashid
CEO, BuildTech Solutions

"The 24-hour funding promise is real. Applied Monday morning, had funds Tuesday afternoon."

Sarah Mohammed
CFO, LogiFlow UAE

"Finally, a financing solution that understands UAE business realities. No hidden fees, just transparent pricing."

Khalid Ibrahim
Owner, Premium Trading Co.

Common Questions

We accept invoices from established businesses with good credit history. Invoices should be for completed work or delivered goods, with payment terms of 30-120 days.
Our fees range from 1-3% per month depending on invoice size, customer creditworthiness, and payment terms. All fees are transparent and disclosed upfront.
We handle all collection activities professionally. In most cases, invoices are with recourse, meaning you'll need to buy back the invoice if payment exceeds 120 days.
Yes, we finance invoices in AED, USD, EUR, and GBP from creditworthy international customers. Additional verification may be required.

Start Your Application

Get funded in 24 hours with just 3 documents

Need help? Email us: hello@numufinance.com