PRODUCT
INVOICE FINANCING

Turn unpaid invoices into revenue within 24 hours.

Get the working capital you need, when you need it, to keep your business moving and growing.
Get Funding
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Expand product portfolio
Invest back into business
Hire a larger team
Fulfil larger orders
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Accelerate growth
INVOICE FINANCING

Turn waiting into working capital.

Get paid the moment your invoice is approved — not 90 days later. Zelo converts your receivables into instant liquidity, so you can focus on fulfilling orders, paying suppliers, and growing your business without the cash flow bottleneck.

Trusted by

Without Zelo

Elongated payment cycles keep your cashflow stuck.
Excessive paperwork slows the financing process.
Hidden fees.
Rigid terms.
Consistent repayment pressure through fixed EMIs.

With

zelo
Get paid in hours with a one-time setup.
Fully digital process & quick turnaround.
Transparent pricing.
Flexible financing.
Pay only when you use it.
without-zelo

Keep cash flowing, payments on track,
and your business growing.

We enable you to run your business operations smoothly and increase sales without worrying about the cash flows.
Fully Digital
Forget paperwork or audited financials with a fully digital financing ecosystem.
fully-digital
Fair Pricing
Avail finances at the fairest pricing in the market, without effecting your credit score.
fair pricing
Flexible Terms
Fully transparent and flexible terms with no hidden charges or pre-payment penalties.
flexible tems

Finance that works the way you do.

Zelo accelerates access to capital you have locked in your invoices – fully digital, reliable and fair from day one.
Easy Integration
A plug and play integration that allows you to easily import documents from all major platforms.
Easy Integration
Instant Funding
Skip the need for rigid requirements and avail finances within 24 hours of onboarding.
Instant funding
Built on Trust, Backed by ADGM
Zelo is regulated by Abu Dhabi Global Market — so you can finance your invoices with the confidence of transacting on a secure, transparent, and compliant platform.
Built-on-trust

Get assured financing in hours as a seller to our ecosystem of buyers.

Construction & Real Estate
Emaarmodonaldar
EPC Contractors
TrojanlamprellNmdc
Government
United Arab EmiratesGovernment of Dubaidubai-policeGovernment of Abu dhabi
Healthcare
Burjeelsehadubai health authority
Marine
Abu dhabi Ports
Oil & Gas
enocAdnoc
Oil & Gas Contractors
NoyBaker HughesSchlumbergerHalliburton
Utilities
TaqaSharjahdewaRoads and Transport
Others

Financing that moves businesses forward

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Engineering Contracting

Invoice Finance
3 parallel projects launched vs. 1 prior to funding support
Case Study-2
B2B Trading
Invoice Finance
40% increase in execution bandwidth within 30 days
Case Study-3
Healthcare
Invoice Finance
+19% YoY sales growth after unlocking tied-up capital
Case Study-4
Logistics
Invoice Finance
Reduced Days Sales Outstanding from 98 to 21 days
Case Study-5
Oil & Gas
Invoice Finance
AED 800K saved on raw materials via bulk early procurement
Case Study-6
Consulting / Professional Services
Invoice Finance
AED 2.2M across 18 B2B invoices funded within 2 months
Case Study-7
Consulting / Professional Services
Invoice Finance
Secured 3 new projects after unlocking AED 4M in liquidity
Case Study-8
E-Commerce
Invoice Finance
Reduced stockouts during peak sales by 72%

Access to working capital can’t get any easier.

We assess eligibility by understanding your business well, removing many layers of complexity.

Testimonials

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“As a government contractor, we’re used to net-90 to net-150 payment terms, which made it hard to take on new projects before the last one paid out. Using Zelo to finance our government invoices was a smart move. We get most of our contract payment as soon as invoices are approved and can immediately redeploy it into the next government project. In the last year, we’ve doubled the number of projects we handle simultaneously – something we could never do before Zelo came along.”

Ayush Bhatia,
Founder at Mid-Sized Government Contractor
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“Being a large textile manufacturer, we usually ship huge orders to retailers and then wait months for payment. It used to strain our production cycle. Zelo changed the equation for us. We get paid for our invoices as soon as we send out a shipment, which means we can immediately reinvest in materials and ramp up production. Our cash cycle went from 60 days to practically zero – and we’ve expanded into new markets thanks to that liquidity.”

Ayush Bhatia,
Owner at Large Softline Products Manufacturer
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“Real estate deals often take months to finalize, and brokerage commissions come in later. Zelo’s invoice financing helped us smooth out those income gaps. We’ve leveraged our pending invoices for upfront cash, which keeps our operations running flawlessly. No more stressing over timing – we always have working capital ready to invest and expand.”

Ayush Bhatia,
Finance Manager at ~200M Real Estate Brokerage

Financing questions? Let’s break it down.

What is invoice financing?
Invoice financing allows businesses to unlock cash from their unpaid invoices by getting them financed by Zelo. Instead of waiting for 30, 60, or 90+ days for payment, you can unlock your receivables to obtain immediate liquidity.
How does Zelo’s invoice financing work?
It’s as easy as 1,2,3:

Step 1: Create your Zelo account and obtain a pre-funded invoice financing facility

Step 2: Zelo fetches the invoices from your Customer’s ERP1, you can select the invoices to be financed, and get advanced up to 95% of the selected receivables’ value within 24 hours

Step 3: You will get notified when the Customer payment is collected by Zelo and any surplus will be paid back immediately
Who is eligible for Zelo’s invoice financing?
SMEs supplying goods or services to large corporates, government entities, or reputable businesses with elongated payment cycles. To qualify, your business must:
  • Be registered in the UAE
  • Have been operating for at least 12 months
  • Been servicing creditworthy buyers (large corporates, government, or semi-government entities)
What is the minimum and maximum invoice amount I can finance?
As long as the Buyer is approved on Zelo, we can cater to invoices as small as AED 10,000 or as large as AED 5,000,000 (or more).
What happens if my business grows and I need a larger financing limit?
As your business scales, Zelo can increase your financing limits, ensuring that your access to working capital grows alongside your operations.
How long does it take for Zelo to approve an invoice?
Once you request funds against your approved invoices on the Zelo platform and the request is approved by Zelo, funds are disbursed within 24 hours of the request being raised.
How is invoice financing different from a traditional loan?
Unlike a loan, invoice financing does not require any physical collaterals, fixed repayment schedules, or long approval processes. It is directly tied to your sales, making it a flexible solution to improve cash flow without adding debt to your balance sheet.
What are the costs associated with invoice financing?
Financing Fee: Typically 0.8-2% per 30 days (varies based on buyer creditworthiness and your business).No hidden charges – fees are transparently communicated before activation.
How do I repay Zelo for the financed amount?
The buyer pays the invoice or receivables amount directly into a Zelo-designated virtual IBAN, upon their payment due date. Once the payment is received, Zelo deducts its portion of receivables i.e. advances provided including the financing fees and transfers the remaining balance (if any) to you.
Can I repay early?
Yes, early repayment is allowed, and you may save on financing fees for the remainder of the payment cycle depending on the repayment schedule.