Invoice Financing is a short-term financing solution that helps businesses access funds quickly by selling their unpaid customer invoices to a financier at a discount. Instead of waiting 30, 60, or even 90 days for customers to pay, businesses can get a large portion of the invoice amount upfront—improving cash flow without taking on traditional debt.
At Madad, we make this process paperless, fast, and accessible to small and medium businesses across Qatar.
Invoice Financing can be a smart choice in several situations
Your customers take time to pay, but you need funds now to cover day-to-day operations
You've received new orders and need upfront cash to buy inventory or hire resources
You're experiencing seasonal demand or temporary cash flow gaps
You want to smoothen your cash flow without taking on traditional debt
It converts sales into cash faster, without waiting for customer payment cycles
It grows with your sales—more invoices mean more access to funds
It's fast and flexible compared to traditional loans
It doesn't add long-term debt to your balance sheet
Here's how invoice financing stacks up against other common financing products:
| Feature / Criteria | Invoice Financing | Business Loan |
|---|---|---|
Primary Use Case | Bridge cash flow gaps due to delayed customer payments | Long-term capital needs, asset purchases, or expansion |
Funding Basis | Based on outstanding invoices (sales already made) | Based on past financial projections |
Speed of Disbursal | Fast—often within a few days | Slower—can take weeks due to documentation & approvals |
Impact on Balance Sheet | Off-balance sheet—no new debt added | Appears as a liability |
Flexibility | Grows with your sales—more invoices, more funding | Fixed amount—not tied to business volume |
Collateral | Usually not required beyond the invoice | Often requires personal or business collateral |
Cost Structure | Pay only for what you use, based on discount rate | Cost accrues regardless of how efficiently funds are used |
Across Qatar and the wider GCC, invoice Financing is gaining traction among SMEs that want to:
Reduce dependency on traditional loan products
Manage cash cycles in industries like trading, logistics, Manufacturing and services
Take on larger purchase orders without waiting for earlier payments
Strengthen supplier relationships by paying them faster
At Madad, we see more SMEs turning to invoice Financing as a strategic tool, not just an emergency fix.
Get offers from multiple financial institutions on one platform.
Receive funds in just a few days, not weeks, so you can keep your operations moving without delays.
Apply, track, and manage everything online.
Designed with the realities and challenges of local SMEs in mind.
Operates under Qatar Central Bank's sandbox, ensuring security and trust.
Unlock cash tied up in your unpaid invoices—no more waiting months for buyer payments. With our seamless, tech-powered platform, you can turn your invoices into instant cash. Get credit line offers from multiple trusted lenders. Upload your invoice, and get funded.
