Factroww
Shariah-Structured Invoice Financing · GCC

Get paid now
for invoices due later.

Factroww turns your unpaid trade invoices into same-week cash — Shariah-structured, with a fixed, disclosed profit and your customers paying into escrow. Stop waiting 60–90 days to get paid.

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Designed to AAOIFI standards Escrow-controlled No hidden fees
100%
escrow-controlled
< 1 wk
to funding
0%
interest — fixed profit only
Indicative Offer Instant estimate
QAR
QAR 10kQAR 2M+
QAR
QAR
QAR 420,000

financing for your business · secured by your invoice

Invoice assigned as securityQAR 480,000
Cost of goods (your financing)QAR 420,000
Fixed profit amountQAR 12,000
Murabaha price settled from escrow−QAR 432,000
Residual paid back to youQAR 48,000
Murabaha60-day tenorEscrow-controlled
Apply for this amount

Indicative only — final terms after invoice & KYC verification. Your invoice is security only; profit comes from the Murabaha sale, never from the invoice.

Shariah board certification pendingStructures designed to AAOIFI standardsQFC licensing plannedRules-based underwriting

See if you qualify

Check your eligibility in 10 seconds

Three quick questions — no sign-up needed.

Quick eligibility check

Question 1 of 3

Do you sell to large, creditworthy buyers?

Corporates, government, large retailers or established firms.

How we help your business

Cash flow that keeps pace with your business

Built for GCC SMEs who sell to large, creditworthy buyers but can't afford to wait months to get paid.

Same-week liquidity

Get financing in days, secured by your invoice — instead of waiting the 60–90 days your buyer takes to pay.

Not a loan

You buy goods on deferred terms, or sell a commodity you own. No interest at any stage — only a fixed, disclosed profit amount agreed before you commit.

Built on Shariah structures

Murabaha trade structures designed to AAOIFI standards — a fixed, disclosed profit, never interest — with independent Shariah board certification in progress.

Keep your relationships

Repayment flows quietly through escrow — no disruption to how you work with your buyers.

Transparent pricing

See your financing amount, fixed profit amount and residual upfront. What you're quoted is what you pay — no hidden charges.

Fast, transparent decisions

Upload your statements, get an indicative offer instantly, and receive funds after a quick verification.

How it works

From invoice to cash in four steps

1

Apply & upload

Share your company details and documents in minutes.

2

Get your offer

See instant indicative terms with a fixed, disclosed profit amount.

3

We verify & fund

We confirm the invoice with your buyer, take it as security, and release your financing.

4

Repay from escrow

Your buyer pays into escrow on the due date; the balance settles to you.

Escrow, visualised

See exactly where every riyal goes

When your buyer pays, escrow settles the Murabaha price and agreed profit automatically — you receive the residual.

QAR
In escrowQAR 0
  1. 1

    Buyer pays the invoice into escrow

    The full amount settles into a ring-fenced account

    +QAR 480,000
  2. 2

    The Murabaha price is settled

    The cost of the goods you purchased

    −QAR 420,000
  3. 3

    The agreed profit amount

    Fixed when you signed — never interest

    −QAR 12,000
  4. 4

    Residual released to you

    The balance settles straight to your account

    −QAR 48,000

Your QAR 480,000 invoice was security only. Escrow settled your Murabaha and returned QAR 48,000 to you — automatically, with no chasing.

Get started

Ready to unlock the cash in your invoices?

Apply in minutes and get an indicative offer instantly. No obligation.

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