Receivables Financing

Leverage the Power of Your Receivables

 

Our Receivables Financing allows businesses to bridge cash flow gaps, meet operational expenses and maintain business momentum without waiting for customer payments to fall due. The facilities are designed to support local trade transactions within the UAE and are available to eligible businesses with approved credit facilities.

Experience Cheque & Invoice Discounting for Your Business

Cheque Discounting

Convert eligible post-dated cheques into immediate funds and gain quicker access to your future receivables. This solution helps improve liquidity while allowing you to continue managing your day-to-day business operations with confidence.

Invoice Discounting

Access financing against eligible invoices issued for local trade transactions, helping you release working capital tied up in receivables. With improved cash flow, your business can better manage operating expenses and pursue new growth opportunities.

Benefits

 

  • Improve working capital & business liquidity
  • Unlock funds tied up in receivables
  • Support day-to-day operational requirements
  • Meet supplier & payroll obligations more efficiently
  • Strengthen cash flow without waiting for payment due dates
  • Tailored financing solutions aligned to your business needs

How It Works

Step 1

Receive an eligible post-dated cheque or issue an invoice with agreed payment terms.

Step 2

Submit the required documents to the Bank.

Step 3

Following approval, receive financing against your eligible receivables.

Step 4

The facility is settled when payment is received on the agreed due date.

Eligibility

Businesses may be eligible if they:

  • Hold a valid UAE Trade Licence
  • Maintain an active business account with the Bank
  • Have an approved credit facility with the Bank
  • Meet the Bank’s credit assessment requirements & provide the necessary supporting documentation

Why Habib Bank AG Zurich?

Our experienced relationship managers work closely with businesses to provide working capital solutions that support cash flow, improve financial flexibility and enable sustainable growth.

Whether you require financing against post-dated cheques or invoices, we offer responsive, relationship-led banking backed by our expertise in trade and working capital solutions.

Speak to our Relationship Manager to explore how Cheque & Invoice Discounting can help your business unlock working capital.

Important Documents

Access essential documents including Key Facts Statements, Application Forms, Terms & Conditions, and additional resources.

To Find Out More

HBZ Contact Centre
800 HABIB (42242) or
+971 4 419 5555 when calling from outside the UAE

Email
csd@habibbank.com

Contact your Relationship Manager
Visit a branch

Are you an existing customer?
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