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.
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.
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.
A supplier delivers and invoices
We underwrite the buyer, not the supplier
You fund a share at a discount
The buyer pays into escrow, and you are paid out
Live opportunities
Obligor names, financials and underlying documents are disclosed in the data room after your account is approved.
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.
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.
Comparators are capital-protected or highly liquid; invoice discounting is neither. Rates move, so treat this as a snapshot rather than a promise.
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.
| Reference | Sector / market | Rate | Tenor | Outcome |
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Before you commit capital
01Is the return actually fixed?+
02Who can open an account?+
03Can I withdraw before the due date?+
04What does Altvest charge me?+
05What happens if an invoice is not paid?+
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 →
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.