The Full Process

From Invoice to Funds in Under 24 Hours

Connect your accounts once, then finance any invoice on demand. Our AI scoring engine processes applications in minutes, not weeks. Here is exactly how it works.

Start Your Application
Comfi.ai platform interface showing the invoice financing workflow
Step by Step

Four Steps from Application to Funds

Connect Your Accounts

Link your Xero, QuickBooks, Zoho Books, or other accounting software using our secure read-only API connection. We also support direct bank feed integration. Setup takes under five minutes and you only do it once.

Submit an Invoice

Select any outstanding invoice directly from your accounting system or upload a PDF. Our platform automatically verifies the invoice structure, confirms the debtor entity, and flags any issues before scoring begins.

AI Credit Scoring

Our model reads 200+ signals including your payment history, debtor risk profile, invoice concentration, and live cash flow trends. A decision comes back within minutes. The offer shows the advance amount, fee rate, and repayment terms transparently.

Access Your Funds

Accept the offer and funds are transferred to your UAE business bank account. Most transfers complete within one business day. When your debtor pays the invoice, the remaining balance (minus the fee) is released to you.

Integrations

Works With Your Existing Tools

Comfi.ai connects to the accounting and banking platforms UAE businesses already use. No manual data entry, no separate systems to manage.

Xero
QuickBooks
Zoho Books
Emirates NBD
ADCB
FAB
Sage
FreshBooks
Security and Compliance

Your Data is Protected to DIFC Standards

We operate from the Dubai International Financial Centre under UAE financial regulation. Security is not a feature, it is the foundation.

256-bit Encryption

All data in transit and at rest is encrypted using AES-256 standards. API connections to your accounting software use OAuth 2.0 with read-only scopes.

Independently Audited Infrastructure

Our cloud infrastructure runs on providers that maintain SOC 2 Type II certification, audited annually for security, availability, and confidentiality controls.

Read-Only API Access

Our integration with your accounting system uses read-only API tokens. We can read invoice and payment data but cannot initiate transactions or modify records.

UAE Financial Regulation

Comfi AI Ltd operates under UAE financial services regulation from our registered DIFC office. All financing activities comply with applicable DIFC and UAE federal financial laws.

FAQ

Common Questions About the Process

Comfi.ai finances B2B invoices from UAE-registered businesses. Eligible invoices must be from verified commercial debtors (not consumer invoices), issued in AED or other major currencies, and not yet past their payment due date. Invoices from government entities, established corporate buyers, and SMBs with strong payment histories score highest.
Once you accept a financing offer, funds are typically transferred within one business day. Transfers to UAE banks (Emirates NBD, FAB, ADCB, and others) generally complete within a few hours of initiating the transfer. Same-day transfers are available for repeat clients with a verified account history.
Your debtor pays the full invoice value directly to a designated collection account. Once payment clears, the financing fee is deducted and the remaining balance (typically 20% of the invoice value that was not advanced upfront) is released to your account. You do not need to take any additional action.
Yes. Comfi.ai supports multi-debtor portfolios. Each invoice is scored individually based on the specific debtor's risk profile, which means invoices from high-quality debtors receive better rates regardless of the overall portfolio mix. There is no minimum or maximum number of invoices per application cycle.

Ready to Get Started?

Apply in minutes. No commitment until you accept an offer.

Start Your Application Talk to the Team