You have done the work. You have issued the invoice. Now you wait 60 days. qist ends that wait — funds in your account within 48 hours, no collateral, no debt.
Request early access →Most UAE businesses serving large buyers — developers, government entities, retail chains — operate on 60 to 90 day payment terms. That means salaries, suppliers, and overheads have to be funded from your own pocket while you wait. Your three options:
Upload the invoice document, enter your buyer's details and the due date. The process takes five minutes. No technical knowledge or legal paperwork required at this stage.
Your invoice is listed on the platform. Investors compete to fund it — the more creditworthy your buyer, the more competition, and the lower your total cost. The market sets the rate.
AED is transferred directly to your UAE bank account within 48 hours of funding. When your buyer pays on the due date, the transaction closes automatically. Nothing more required from you.
Your total cost has two parts: the platform fee (fixed at 1%) and the investor rate (set by the market based on your buyer's creditworthiness). Here is a worked example.
The platform fee is 1% of the invoice value, paid once. This covers listing, verification, and the transfer to your account.
The investor rate is determined by the market — investors bid to fund your invoice, and competition drives this rate down. A creditworthy buyer (e.g. a listed developer or government entity) will attract lower rates than an unverified corporate. Typical investor rates range from 5% to 12% annualised, depending on buyer creditworthiness and invoice tenor.
Your total deduction is the platform fee plus the investor rate, applied to the invoice face value. You receive the remainder instantly.
There are no other charges: no admin fee, no early repayment penalty, no VAT on the fee. Invoice financing is a sale of a receivable, not a financial service subject to VAT in the UAE.
qist is not a loan. We are buying a payment that is already owed to you. That means we look at who is paying, not just who is applying. Here is what you need to qualify.
This works in your favour. Investors compete harder for invoices backed by reliable buyers — which means you get a better rate. Before any buyer's invoices are listed, we verify their trade licence, run credit bureau checks, and review payment history. Accepted buyers include publicly listed UAE developers, government-related entities, and major retail and logistics corporates. If your buyer is not already on our approved list, we review them within 48 hours of your submission.
Three things finance managers always ask before signing anything. Here are direct answers.
This is a non-recourse structure. If a buyer defaults, qist pursues collections — not you. You have already received your funds. The risk of non-payment sits with the investors and qist's collections process, not your business. This is why we are strict about buyer verification upfront.
Your invoice and company documents are used solely to verify and list your invoice. They are not shared with your buyer, your buyer's competitors, or any third party beyond the verification process. Investor-facing listings show invoice details but not your company identity.
All transactions are structured as a sale of a receivable under UAE commercial law — not a loan. No interest, no debt on your balance sheet, no impact on your credit file. Invoice financing fees are not subject to VAT in the UAE. Confirm specifics with your accountant.
No black boxes. Here is every step from the moment you submit to when funds hit your account — and beyond.
Fill in your company details, buyer name, invoice amount, and due date. Upload the invoice document. Takes five minutes.
Our team verifies your trade licence and invoice. If your buyer is not yet approved, we run their credit check in parallel. We contact you if anything is missing.
Once approved, you receive the investor rate the market has set for your invoice. You decide whether to proceed — no obligation. If you confirm, your invoice goes live.
Your invoice is listed and investors compete to fund it. Once fully funded, the transaction locks. You are notified immediately.
AED is transferred directly to your UAE bank account the day funding completes. The platform fee and investor rate are deducted at this point. You receive the net amount.
Your buyer pays the full invoice amount to qist on the due date. The transaction closes automatically. Nothing more required from you. You can submit your next invoice at any time.
We are onboarding a small group of suppliers before we open to the public. Leave your details and we will reach out to you personally before launch — no commitment required.
We will be in touch before launch. No commitment, no spam.