Comfi B2B Working Capital

Comfi (Comfi L.L.C-FZ) is a B2B working-capital provider based in Downtown Dubai, UAE, founded in 2023 according to a funding article. It addresses the cash-flow gap of SMEs that must offer buyers payment terms while waiting for invoices to be paid.

The product line includes invoice discounting that turns outstanding invoices into cash, B2B buy-now-pay-later where Comfi funds the supplier and handles collections, and automotive dealer financing. Onboarding takes about 30 minutes with four documents, and the site reports 1,000+ SMEs supported and 20,000+ invoices financed. A partner programme is offered for referral and integration.

• Invoice discounting: turns outstanding invoices into immediate cash.
• B2B buy now pay later: offers buyers credit terms while Comfi handles collections.
• Automotive dealer financing: funds dealer inventory.
• Fast onboarding: limit within about 4 hours, onboarding in about 30 minutes.
• Flexible repayment: 30, 60 or 90 days in two to three installments.
• Free tools: invoice discounting, VAT and profit margin calculators.

A Vietnamese distributor offering 60-90 day terms to retail buyers while receiving cash upfront. An equipment or auto dealer financing inventory without collateral. A B2B marketplace partnering to offer buyers deferred payment.

Suppliers receive payment within about 30 minutes of invoice upload while buyers get terms of 30, 60 or 90 days. No equity dilution or collateral is required. Zero processing fees and service charges are claimed. The site states that partner SMEs see an average 30% sales growth.

B2B buy-now-pay-later and invoice financing are growing as SMEs seek alternatives to bank credit. Vietnamese SME suppliers and distributors face long payment cycles with large buyers, and fintech lenders in Southeast Asia may adopt similar embedded supply chain finance models.

Pre-Series A of $65M announced 27 April 2026, equity led by Iliad Partners with Yango Ventures and Raw Ventures, plus a Partners for Growth credit facility and Shorooq mezzanine facility. Based in Mashreq Bank Global HQ, Downtown Dubai. Eligibility is UAE-registered businesses.