Altvest Invoice discounting
Invoice discounting · GCC

Fixed-rate returns of up to 10% a year, backed by invoices already approved.

Large corporates and government entities across the Gulf pay their suppliers in 30 to 120 days. Altvest lets you buy those approved invoices at a discount today and collect the full amount at maturity. The discount is your return.

From AED 5,000 30–120 day tenor Collections into escrow UAE · KSA · Qatar · Oman · Bahrain · Kuwait
Return calculator
Indicative · not an offer
Illustration
You investAED 50,000
AED 5,000AED 500,000
Tenor9.4% p.a.
90 days Settlement
Funded today · AED 50,000 AED 51,159 at maturity
You receive
on
Return earned
over 90 days

Simple interest on the discount rate for the days held. Shown before tax and before any loss. Actual rates vary by obligor and tenor, and are fixed for each invoice at the time you fund it.

AED 128.4M
Deployed to date
412
Invoices settled
98.6%
Settled on or before due date
71 days
Average tenor
What you are buying

A supplier is owed money. You get paid to bridge the gap.

Invoice discounting is the oldest instrument in trade finance. There is no leverage, no derivative and no price to track. There is only a buyer who owes a fixed amount on a fixed date, and a supplier who would rather have the cash now.

01

A supplier delivers and invoices

An SME completes work for a large buyer: a telecom operator, a hospital authority, an EPC contractor. The buyer signs off the invoice but pays on 60-day terms. The supplier's cash is locked up.
Invoice raisedDelivery accepted
02

We underwrite the buyer, not the supplier

Repayment comes from whoever owes the money, so that is who we assess: their credit standing, payment history with this supplier, and the strength of the acceptance. We verify the invoice, the purchase order and the proof of delivery, then take a legal assignment of the receivable.
Obligor credit reviewDocument verificationDeed of assignment
03

You fund a share at a discount

The invoice is listed with its rate, tenor and security package. You choose how much of it to fund, from AED 5,000. The supplier receives the discounted amount within one business day of the deal filling.
From AED 5,000Rate fixed at fundingNo fee to invest
04

The buyer pays into escrow, and you are paid out

On the due date the buyer pays the full invoice value into a collection account we do not own. Your principal and your share of the discount are credited back to you, usually within two business days of receipt.
Escrowed collectionPrincipal + discountT+2 payout
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Obligor names, financials and underlying documents are disclosed in the data room after your account is approved.

Risk management

Where the protection actually comes from

A high rate on its own means nothing. These are the specific mechanisms that stand between an obligor's payment cycle and your capital. Each one has limits, and we set those out plainly.

Obligor-first underwriting

We accept receivables only on buyers we would lend to directly: listed corporates, government-related entities and multinationals with an observable payment record. The supplier's own balance sheet is secondary.

Legal assignment, not a promise

Each receivable is assigned to investors under a deed governed by the law of the contract, with notice served on the obligor where the underlying contract allows it. You hold a claim on the payment, not an IOU from the platform.

Collections held outside Altvest

Obligors pay into a segregated collection account operated by a licensed third party. Investor money is never commingled with the operating balance of the platform.

Recourse and guarantees

Most deals are with full recourse: if the obligor does not pay, the supplier must buy the receivable back, usually supported by a promoter guarantee. Recourse is only as good as the supplier's ability to honour it, which is why we still underwrite them.

Short, self-liquidating exposure

Tenors run 30 to 120 days and the position repays itself from a specific payment. There is no rollover and no maturity mismatch. In exchange, there is no early exit, so plan to hold to the due date.

Concentration limits

We cap exposure per obligor, per supplier and per sector across the book, and we show you those caps. Spreading a ticket across several invoices matters more here than picking the highest rate.

Context

Where a 9% invoice sits

Indicative gross rates available to a GCC-resident investor, August 2026. Higher yield is compensation for taking credit risk on a single obligor and for giving up access to your money until the due date. It is not a free upgrade.

AED savings account
0.5%
12-month AED fixed deposit
4.1%
Money market fund
4.6%
GCC sukuk fund
5.4%
Altvest invoice discounting
7.9–10%

Comparators are capital-protected or highly liquid; invoice discounting is neither. Rates move, so treat this as a snapshot rather than a promise.

Track record

Recently settled

Every closed deal, including the ones that paid late. We publish delays because a platform that only shows clean settlements is not showing you the risk.

ReferenceSector / marketRateTenorOutcome
Questions

Before you commit capital

01Is the return actually fixed?+
The rate is fixed in the sense that it is agreed when you fund the invoice and does not move with markets. What is not fixed is whether you receive it. You earn the stated rate only if the obligor pays. A late payment delays your money; a default can cost you capital. Anyone describing this as a guaranteed return is describing it wrongly.
02Who can open an account?+
Residents of the UAE, Saudi Arabia, Qatar, Oman, Bahrain and Kuwait, aged 18 or over, who complete identity and source-of-funds checks. We also onboard companies, family offices and trusts. Some opportunities are restricted to investors who meet a professional or qualified-investor threshold in their jurisdiction.
03Can I withdraw before the due date?+
No. Funded positions are held to maturity. The short tenor is the liquidity feature, and money you may need inside 120 days should not be here. Uninvested cash in your wallet can be withdrawn at any time.
04What does Altvest charge me?+
Nothing to open an account, fund a deal or withdraw. Our fee sits inside the discount the supplier accepts, and the rate you see on a deal is the rate you earn. Your bank may charge for the transfer.
05What happens if an invoice is not paid?+
We chase the obligor from day one past due and keep you updated in the app. Where the deal has recourse, we call on the supplier to repurchase, then on any guarantee or security. If recovery fails, the loss is yours in proportion to your share of the invoice. The full sequence is set out in the risk disclosure.
All questions

Read this before you invest

Invoice discounting is not a savings product. Your money is lent against a single receivable for a fixed period, it cannot be withdrawn early, and it is not covered by any deposit guarantee. The advertised rate is what you earn if the obligor pays in full on the due date. If they pay late you earn the same amount later, and if they do not pay you can lose part or all of your capital. Read the full risk disclosure →

Accounts open in 48 hours

Put idle cash to work on invoices that are already approved.

Open an account, complete verification, and browse the full book with obligor names, financials and documents. There is no commitment until you fund a deal.