UK roots, UAE presence. Most approvals same day; typical funding within 48 hours.
UAE business moves fast. So do we.
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
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?
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.