Fund Your Next Order Using Outstanding Invoices – Here’s How
You’ve just landed a big order. Great news, right?
Only problem? Your cash is still tied up in the last one. Welcome to the working capital treadmill—where you keep running but don’t always move forward.
Let’s talk about something that’s painfully common for UAE-based small businesses: waiting for payments while new opportunities knock on the door. Whether you’re a supplier in Mussafah or a logistics contractor in Jebel Ali, the story is often the same—your business works, but your balance sheet is under constant pressure.
So what if we told you that your unpaid invoices could fund your next order?
Yes, really. You don’t need to run to the bank. You don’t need to offer your car, home, or soul as collateral. You just need to know how invoice financing works.
First, What’s Invoice Financing?
Imagine this: You’ve already delivered goods or services to a large, creditworthy client—let’s say a government entity, ADNOC, Pure Health, or a buyer on Amazon Vendor Central. They’ve approved your invoice. It’s legit.
Now, instead of waiting 60 or 90 or even 120 days to get paid, you get a portion of that invoice value upfront, from a financing partner like Zelo. When the buyer finally pays, the money goes to Zelo to settle the advance.
You’re not taking on debt in the traditional sense. You’re just accessing your money faster.
So, How Does This Help You Fund the Next Order?
Let’s break it down with a common example:
You complete an order for AED 500,000.
The buyer approves the invoice, but they’ll pay you in 60 days.
Meanwhile, a new order comes in—you need AED 200,000 to fulfill it.
You don’t have that cash, because… well, it's tied up.
But with invoice financing, Zelo advances you AED 400,000 the day after your invoice is approved. You take AED 200,000, fulfill the next order, and just like that—you’re operating on a cash-based cycle, not a credit-based one.
No delays. No “Sorry, we’ll get back to you after our next payment run.” Just… business.
Who Can Use This?
We’ve seen this model work brilliantly across:
- Traders and Distributors: Electronics, construction materials, industrial equipment—especially those dealing with platforms like Noon, Amazon, Carrefour, etc.
- Subcontractors: Working under big-ticket EPC contractors for ADNOC, Dubai Municipality, NMDC, etc.
- Pharmacies & Clinics: Stuck waiting on Daman or private insurance payouts.
- Consulting Firms: Serving government clients with long approval cycles.
If your client is large, creditworthy, uses an ERP system to accept invoices and is slow to pay—invoice financing with Zelo can unlock your cash, so you can focus on what matters: winning the next order.
“Sounds Good, But Is It Complicated?”
Not even a little.
With Zelo, the process is digital, simple, and fast:
- You upload your approved invoice on your buyer’s ERP system
- Our team reviews and verifies it (we’re integrated with most major buyer ERPs), and onboards you.
- You’re assigned a facility limit
- Select approved invoices and request for financing Within 24–48 hours, cash hits your account
- When your client pays, the transaction is closed automatically
Quick Math – Because We Know You’re Thinking It
Let’s say you’re offered a 2% facility fee for a 60-day advance.
For a AED 500,000 invoice, that’s AED 10,000 to get access to your cash two months early. That AED 490,000 could help you:
- Book a container
- Lock in raw material prices
- Hire temps
- Or even win the next project
Let’s be honest—missing out on business because you’re cash-strapped? That’s way more expensive.
But Wait, Doesn’t That Only Work for Big Companies?
Here’s the thing—you don’t need to be big. Your client does.
Zelo specializes in financing SMEs who sell to large, creditworthy buyers. If your invoice is payable by ADNOC, ENOC, DP World, Amazon, Carrefour, or even a government entity—we’re probably already familiar with their systems.
That’s why our approval rates are high and turnaround times are fast.
Why This Matters Now More Than Ever
Margins are getting thinner. Competition is getting tougher. Clients are getting slower.
And yet—opportunities are everywhere. If you’ve got the confidence to grow, don’t let cash flow hold you back.
With Zelo, you can fund your next order using your last one.
It’s simple. It’s fast. And it puts your business back in control.
Ready to Make Your Invoices Work for You?
Check if your client is on our approved buyer list. Upload invoices, get approved, get funded. That’s how thousands of SME owners in the UAE are scaling smart—with Zelo.
Don’t wait. Let your work pay off—literally.
