Built to Solve the Problem the Founder Lived
Comfi.ai started with a simple question: why do profitable UAE businesses fail because they cannot access the cash they have already earned?
From the Inside of the Problem
Before founding Comfi.ai, our CEO Sanjar Samiev ran a trading business supplying goods to large commercial buyers across the UAE. The business was profitable on paper. Invoices went out on time, goods were delivered, clients were satisfied. But the cash consistently arrived 60 to 90 days after delivery.
During that gap, the business still had to pay suppliers in 30 days, cover staff costs, and fund the next order cycle. Sanjar's team spent significant time each month managing that mismatch, negotiating extended terms from suppliers and chasing buyers for earlier payment.
When he tried to solve it with bank financing, the process took weeks, required two years of audited accounts, and demanded collateral the business did not have. Factoring companies were faster but opaque about their decisions and expensive without explanation.
Comfi.ai was built to do it right: transparent AI scoring, fast decisions based on live data, and rates that reflect actual risk rather than a standard bank margin. The first version of the platform was used internally before it was offered to other businesses.
The People Behind Comfi.ai
He/him. Built and operated a UAE-based trading business before founding Comfi.ai, working directly through the cash flow gaps the platform addresses. Leads product direction, client relationships, and UAE market development.
Years building distributed financial data infrastructure and real-time scoring systems. Specialises in the API plumbing that makes fast credit decisions possible on live transactional data. Designed and built the Comfi.ai scoring engine from the ground up.
Credit risk background in UAE and Gulf commercial lending, building SMB credit models and managing portfolio risk across the region. Joined Comfi.ai to design a risk framework that moves with live data rather than quarterly statements. Owns credit policy, scoring calibration, and portfolio monitoring.
The Principles Behind the Platform
Every offer shows the advance amount, fee, and repayment terms upfront. No hidden costs discovered after acceptance. We explain what the AI scored and why.
Rates reflect actual risk, not a blanket margin. Businesses with strong invoice books and reliable debtors should pay less. Our model improves rates as your track record builds.
Making a business wait weeks for a financing decision is not due diligence, it is friction. Our AI scoring is designed to return decisions in minutes because time is the most limited resource a small business has.
UAE trade has its own rhythms, regulations, and debtor patterns. Our scoring models are trained on regional data. We operate from DIFC under UAE financial regulation. We are not a global product adapted here, we are a regional product built here.
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