Invoice Factoring / AR
Turn confirmed receivables into cash today, up to 90% advanced, the balance on settlement.
Your customer will pay in 90 days. Your suppliers, staff and growth can't wait that long. BizFlow advances up to 90% of a confirmed invoice now, no collateral, no three-year audit, no branch visit.
Banks want three years of audited accounts, collateral, and four to twelve weeks. That's built for corporations, not for the trading, F&B, logistics and services firms that actually create Qatar's jobs.
Collateral-free working capital, underwritten on the real commercial event, the invoice, the purchase order, the sale.
Turn confirmed receivables into cash today, up to 90% advanced, the balance on settlement.
Let your suppliers get paid early while you keep your terms, strengthening your whole chain.
Fund the gap between paying for goods and getting paid for them, for importers and exporters.
Finance the stock and equipment you need to fulfil the next order, without draining your reserves.
Borrow against your card and POS takings, repaid as a small share of daily sales.
Buy now and pay your suppliers later, on terms that match when your own money arrives.
See eligibility in 60 seconds, trade-licence age, sector, revenue band. No documents yet.
~15 minutes: trade licence, owner ID, and the invoice or PO. Missing docs? Send over WhatsApp.
We verify the buyer and the invoice, score the deal, and set your limit and price.
Sign digitally with OTP and biometrics. Funds land in your business account.
Repay and your limit refreshes. Your next draw is decisioned the same day.
We give you an honest signal first. No paperwork, no credit-file footprint, no obligation. If it's a fit, the full application takes about 15 minutes.
Strong match, you look eligible
Based on what you've told us, BizFlow can likely help. Continue in the app to get an indicative limit in minutes.
Start my applicationIllustrative check. Final approval is subject to verification.
Decisions in hours, not weeks, so you can say yes to the order in front of you.
A clear monthly rate on what you use. No arrangement fees buried in the fine print.
We underwrite the deal and the buyer, not your building. Your assets stay yours.
Check eligibility in 60 seconds. Apply in 15 minutes. Get funded in under 72 hours.