Stop Waiting 90 Days to Get Paid
Comfi.ai uses AI credit scoring to advance funds against your outstanding invoices in under 24 hours. No collateral, no lengthy bank applications, no equity given up.
Excellent
Invoice Financing Built for How You Actually Do Business
Banks were designed for businesses with two years of audited accounts and physical collateral. We were designed for businesses with strong invoice books and no time to wait.
Decisions in Minutes
Our AI credit engine reads live cash flow signals across your connected accounts to score invoices in real time. No paper submissions, no waiting for a relationship manager to call back.
No Collateral Required
Your outstanding invoices are the collateral. We advance against the value of work you have already delivered, not against property or personal guarantees.
AI That Learns Your Business
The longer you use Comfi.ai, the smarter our scoring gets for your specific invoice patterns, debtor mix, and seasonal cycles. Better data means better rates over time.
DIFC and UAE Regulated
Operated from Gate Avenue, DIFC, under UAE financial services regulation. Your data and funds are handled to the standards of one of the world's top financial centres.
Per-Invoice Flexibility
Finance one invoice or twenty. There is no minimum monthly commitment, no facility fee, and no long-term lock-in. Use it when you need it and stop when you do not.
Designed for Financial Data Security
256-bit AES encryption in transit and at rest, read-only API connections to your accounting system, and infrastructure with SOC 2 Type II controls. Your financial data is used for scoring only and never sold.
From Invoice to Funds in Four Steps
Connect your accounting software, submit an invoice, receive an AI-scored offer, and access your advance in under 24 hours.
Connect Your Accounts
Link your accounting software and bank accounts via secure, read-only API. Setup takes under five minutes.
Submit an Invoice
Upload or sync an outstanding invoice directly from your accounting system. Our platform verifies its authenticity automatically.
Receive an AI Offer
Our AI scores the invoice against 200+ signals in real time and presents a transparent offer showing the advance amount and fee.
Access Your Funds
Accept the offer and funds are transferred to your UAE business account, typically within one business day.
What Pilot Partners Said
Feedback from businesses in our 2025 early-access cohort.
"We had AED 580,000 sitting in unpaid invoices from a government entity. The bank process would have taken three weeks and required collateral we did not want to pledge. Comfi.ai scored the invoices overnight and transferred the advance the next morning. We used it to take on a second contract we would otherwise have passed."
"Our suppliers demand 30-day terms but most of our buyers are on 90. That mismatch was costing us supplier discounts and goodwill. Comfi.ai's offer came back faster than I expected and the rate was sharper than our bank quoted after a weeks-long process."
"Operating in DIFC means counterparties hold you to a certain standard. I needed a financing partner actually registered here, not one marketing to DIFC while operating from elsewhere. Comfi.ai is the only platform I found that is genuinely based at Gate Avenue."
Stop Waiting on Your Buyers
Apply in minutes. First financing decision typically within one business day.