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Helpingambitiousbusinessesgrow

Zelo helps businesses with fast and transparent financing solutions that unlock cash flow and accelerate business growth.

1.5B+
financed to date
12,000+
transactions funded
24h
median funding
Invoice Financing
Outstanding invoice
1,000,000
Repayment tenure
You are eligible to receive -
950,000
Indicative fee* · 1.6%
15,200

Fee is based on the eligible financing amount.

ADGM FSRA Category 4 Licensed
*Fees shown are indicative and may vary based on business profile, transaction size, and financing requirements.
Funded in 24h
Recognized by
Future 100
IHC Group
Hub71
Abu Dhabi EDB
Future 100
IHC Group
Hub71
Abu Dhabi EDB
Why businesses choose Zelo

Everything you need to unlock cash

Cash tied up in invoices holds your business back. Zelo frees it up with fast funding, transparent pricing, and a buyer network that's already trusted.

Speed

Funding in 24hrs

A streamlined financing process designed to help businesses move forward without unnecessary delays.

Approved — your funding is on the way
SubmittedFunded
24hr approval to disbursement for approved, onboarded buyers.
Integrations

Sync with Buyers ERP

Embedded financing fits right into the tools you already use.

ERP dashboard sync
Pricing

Pay for what you use

Transparent pricing with clear terms, so you only pay for the financing you use.

Usage-based pricing
Buyer network

100+ approved buyers

Selling to ADNOC, Emaar or government entities? Turn your approved invoices into the working capital that keeps your business moving.

ADNOC
TROJAN
NMDC
EMAAR
ETIHAD
Many more
UAE skyline
What Zelo does

Financing solutions for every business

From early payments to bank guarantees, Zelo gives you the tools to grow with confidence.

How it works

From invoice to cash in five steps

Built to simplify financing through faster onboarding, digital processes, and responsive support.

Create your account

Sign up in minutes with a few standard business documents.

Trade license number
Company email
Authorized signatory
Continue

Connect your buyers

Approve invoices from our 100+ buyer ecosystem.

ADNOC✓
TROJAN✓
NMDC✓
EMAAR✓
ETIHAD+
DEWA+
DUBAI POLICE+
SEHA+

Sync with buyer portals

Compatible with leading ERP platforms to keep your financing journey simple and efficient.

Drop invoice PDF or sync from ERP
INV‑2026‑0418.pdf
Verified with ADNOC · 312,400
Verified

Get funded in 24 hours

Once approved, eligible invoices can be funded in as little as 24 hours through our fully digital process.

Funded to your account
308,338
Settled · within 24h
Transfer initiated · 9 min ago

Buyer pays on the due date

Once your buyer settles the invoice, the transaction is automatically completed.

Day 0Day 90
FundedBuyer paid · day 40
Total fees paid
4,062 (40 days, not 90)
zelofinance.ai
Step

Create your account

Trade license number
Company email
Authorized signatory
Continue
Step 1

Create your account

Sign up in minutes with a few standard business documents.

Trade license number
Company email
Authorized signatory
Continue
Step 2

Connect your buyers

Approve invoices from our 100+ buyer ecosystem.

ADNOC✓
TROJAN✓
NMDC✓
EMAAR✓
ETIHAD+
DEWA+
DUBAI POLICE+
SEHA+
Step 3

Sync with buyer portals

Compatible with leading ERP platforms to keep your financing journey simple and efficient.

Drop invoice PDF or sync from ERP
INV‑2026‑0418.pdf
Verified with ADNOC · 312,400
Verified
Step 4

Get funded in 24 hours

Once approved, eligible invoices can be funded in as little as 24 hours through our fully digital process.

Funded to your account
308,338
Settled · within 24h
Transfer initiated · 9 min ago
Step 5

Buyer pays on the due date

Once your buyer settles the invoice, the transaction is automatically completed.

Day 0Day 90
FundedBuyer paid · day 40
Total fees paid
4,062 (40 days, not 90)
Industries we move

Financing that moves industries forward

Energy & UtilityGovernment EntitiesManufacturing & LogisticsTelecom, Media & TechnologyReal EstateLarge CorporatesEngineering & ConstructionFacilities ManagementInsuranceFood & BeverageHealthcare
01 / 11

Energy & Utility

Working capital for the suppliers and contractors powering the UAE's energy backbone.

Success stories

How businesses are unlocking growth with Zelo

See how businesses are improving cash flow, preserving capital, and creating new opportunities through Zelo.

Electronics & Defense

UAE electronics & defense components distributor

A trusted local distributor with 36+ years supplying critical electronic components to leading UAE defense companies. Surge-based, large urgent orders plus extended contract credit terms kept cash flow locked up.

The challenge
Long payment cycles of 90–120 days created cash-flow gaps
Cash flow tied up in receivables limited large-order fulfilment
Traditional financing capped ambitious expansion plans
The outcome
With immediate access to invoice funds, orders were delivered on schedule
Steady cash flow funded expansion into new product lines
Strong business performance led to an increase in the facility limit
Electronics & Defense
Apollo
24h
to funded, vs 90–120 day terms
Electronics & Defense
Apollo
24h
to funded, vs 90–120 day terms
Electronics & Defense

UAE electronics & defense components distributor

A trusted local distributor with 36+ years supplying critical electronic components to leading UAE defense companies. Surge-based, large urgent orders plus extended contract credit terms kept cash flow locked up.

The challenge
Long payment cycles of 90–120 days created cash-flow gaps
The outcome
With immediate access to invoice funds, orders were delivered on schedule
Manufacturing
Atlas
4×
growth in contract fulfilment capacity
Manufacturing

Mid-sized UAE manufacturer of softline products

A manufacturer of bedsheets and linens working on large contracts with government-related entities on 120–150 day credit terms, while upfront supplier and operating costs restricted its ability to scale.

The challenge
120–150 day credit periods on large government contracts
The outcome
4× growth in contract fulfilment capacity with the same customers
Government Advisory
Athena
Payroll
stabilized, hiring unblocked
Government Advisory

Boutique consulting firm, government engagements

A UAE advisory firm with a strong pipeline but 90–120 day payment waits. Cash-flow gaps restricted hiring and scaling, and traditional bank financing demanded collateral and rigid terms misaligned with its model.

The challenge
Delayed hiring and passed on contracts due to WC gaps
The outcome
Stabilized cash flow, consistent payroll and expanded OpEx
EPC & Construction
Titan
100%
cash collateral freed for bidding
EPC & Construction

Small EPC & construction contractor (O&G)

An EPC contractor with a strong O&G delivery record aiming to pursue larger tenders, but blocked by bank guarantees requiring 100% cash margin. Constrained by liquidity locked behind guarantee requirements, not capability.

The challenge
Fully utilized bank credit lines blocked fresh financing
The outcome
Re-entered competitive bidding on multiple high-value tenders
FAQ

Questions? Let's break it down

Once your application is approved and all required documentation has been received, eligible businesses can typically receive funding within 24 hours.

Requirements vary by product, but typically include your trade license, Emirates ID/passport copies, bank statements, and supporting business documents. Our team will guide you through the process.

Pricing depends on factors such as your financing requirement, buyer profile, and transaction structure. We provide transparent pricing upfront with no hidden charges.

Financing limits depend on your business profile and funding requirements. Speak with our team to determine the most suitable solution for your business.

We work with UAE-based businesses across sectors including construction, trading, logistics, manufacturing, professional services, and more.

Eligibility is assessed on multiple factors including business activity, contracts, invoices, and buyer strength. Our team can quickly determine if your business qualifies.

Depending on the product, traditional collateral may not be required. Our team will advise on the most suitable structure based on your needs.

Zelo currently focuses on supporting businesses operating in the UAE.

No. Zelo is a digital financing platform that helps businesses access invoice financing and bank guarantee solutions through a fast, transparent, and digital-first experience.

Yes. We follow strict security and compliance standards to protect your business information and data.

Get started in minutes

Unlock cash flow
without the wait

Tell us your typical monthly invoice volume, and we'll estimate how much funding your business could unlock.