a. Invoice factoring offers short term predictable returns ranging from 30 days to 150 days as it’s backed by invoices of trusted and reputed business entities , making it a low-risk investment option. It’s a great alternative to traditional investment options like stocks or mutual funds.

a. Investors have the easy and comfortable option to select amongst different entities listed on FINOCRED portal, purchase their outstanding receivables / payables at a discount and then get repaid along with the earned returns on the date of maturity of these invoices .

a. These include short term liquidity, diversification of investment portfolio, steady income, and reduced exposure to market volatility.

a. Returns are typically higher than savings or fixed deposits, ranging from 4-6% annually depending on the invoice terms.

a. Although FINOCRED makes a thorough credit appraisal of business entities before listing them on FINOCRED portal, ultimate onus of risk evaluation lies with the investors and they must assess the business entity’s reliability and creditworthiness to mitigate risks associated with invoice defaults.

a. Every invoice undergoes a authenticity check thorough a robust verification process, including confirmation from the issuing business entities and their customers.

a. Higher credit ratings for business entities and their customers usually mean lower risk and more assured returns for investors.

a. Diversification of investments across invoices of different business entities from a pool of varied industries minimizes the risk of default.

a. Our platform is registered with DIFC and is fully compliant as per DFSA regulations of UAE . We follow best industry practices and our platform is fully trusted and reliable and completely ensures investor legal rights – We can write this only when we are registered with DIFC . As of now this is to be hidden. Smart Crowd also mentions DIFC on their platform.

a. Unlike traditional investments, invoice factoring offers immediate liquidity, lower risk, and consistent returns on short term investments. It is an emerging global concept mitigating the gap between end users of Funds and investors, thereby benefitting both of them.

a. Retail Investors can start with minimal capital of as low as AED 5000

a. Our investor app provides real-time updates on returns, payment status and portfolio performance.

a. Payments are typically received within 30-150 days, depending on the invoice’s due date.

a. In case of unforeseen events , Investors have been provided with the option of liquidating their holdings before their agreed short term investment commitment period by selling invoices to other investors via the platform’s secondary market.

a. As of now, there is no tax implication on the short term returns earned by UAE residents from their investments in Invoice Factoring instruments made through FINOCRED’s portal in UAE.

a. The funds from sold invoices (Receivables/Payables of business entities) are used to improve cash flow, pay operational expenses and meet the working capital requirement of the business entities.

a. Technology ensures transparency, streamlined processes, and secure transactions on the platform.

a. Industries like retail, manufacturing, logistics, and healthcare frequently rely on factoring for working capital.

a. Research businesses, customer payment histories, and invoice terms before investing. FINOCRED thrives for ready made tailored standardised information available to the users of the platform. Ultimate onus of due diligence lies with the retail investors themselves.

a. In case of default, the platform initiates recovery processes, and risk-sharing mechanisms protect your investment.

a. Advanced AI-driven tools detect fraudulent invoices and ensure authenticity.

a. The process adheres to Islamic finance principles by involving trade-based transactions without interest.

a. Use our built-in tools to simulate returns on your investment before investing. FINOCRED thrives to create a transparent environment which helps investors to fully understand the returns (net of all charges) that they will earn before investing so as to ensure that there is utmost transparency and investors make a well informed decision

a. Misconceptions like high risk or hidden charges are debunked with transparent and data-backed insights.

a. Multi-layered encryption and blockchain technology ensure secure transactions.