UK roots, UAE presence. Most approvals same day; typical funding within 48 hours.

UAE business moves fast. So do we.

Invoice factoring and Merchant Cash Advances with a simple flat fee and human support. Typical funding within 48 hours.

Invoice factoring and Merchant Cash Advances with a simple flat fee and human support.

Apply now

Talk to an advisor

Fast funding, clear terms
Talk to SME experts with local insight
No banking delays
Typical funding within 48 hours

Fast funding, clear terms
Talk to SME experts with local insight
No banking delays
Typical funding within 48 hours

Fast funding, clear terms
Talk to SME experts with local insight
No banking delays
Typical funding within 48 hours

Calculator

See what your business could unlock

Invoice value

AED

Repayment period

weeks

Advance AED 45,000 today

Estimated weekly fee: AED 563

These results are estimates and are only intended as a guide. Exact offers and repayments will be subject to underwriting and credit checks

options fit to your cash flow

Funding built around your business

Invoice factoring

Unlock cash tied up in invoices. Advance up to 90% today, balance when your customer pays. One flat fee, no compounding, no surprises. Repayment can be daily, weekly, or monthly to match your cash flow.

Merchant Cash Advance

Turn future sales into upfront capital. Receive up to 50% of your monthly POS takings now and repay automatically as a fixed percentage of daily card sales. Perfect for retailers, restaurants, and any business with steady POS volume.

Finance

E-commerce

B2B

F&B & Restaurants

Wholesale

Haulage & Logistics

Offline Retail

Manufacturing & Engineering

Fast funding, clear terms and local UAE support

Why businesses choose mcl finance

Built for SMEs

Unlock tomorrow’s income today to cover suppliers, payroll, or new orders without waiting months.

Local insight

Speed without the noise

Human when you need it

Built for SMEs

Unlock tomorrow’s income today to cover suppliers, payroll, or new orders without waiting months.

Local insight

Speed without the noise

Human when you need it

Built for SMEs

Unlock tomorrow’s income today to cover suppliers, payroll, or new orders without waiting months.

Local insight

Speed without the noise

Human when you need it

Find out more

FAQ

Frequently asked questions

What’s the difference between Invoice Factoring and Merchant Cash Advances?

Invoice factoring unlocks up to 90% of an unpaid invoice within 48 hours, with the balance paid when your customer settles. Merchant cash advances gives you upfront capital against your daily card sales, repaid automatically as a fixed percentage of takings.

How do repayments work?

Do you work across the UAE?

What documents are needed?

Can startups apply?

What’s the difference between Invoice Factoring and Merchant Cash Advances?

How do repayments work?

Do you work across the UAE?

What documents are needed?

Can startups apply?

Talk to us

Not sure which option suits you best? A quick conversation with our team will get you clear answers and next steps. Reach us on WhatsApp, phone, or by form — we respond fast.