How it works
From the moment a supplier uploads an invoice to the moment your money comes back: the full sequence, the documents involved, and who holds what along the way.
Six steps, roughly ninety days
Open and verify your account
Fund your wallet
Review the data room
Fund your share
Hold to the due date
Get repaid
If you are the one waiting to be paid
Altvest converts an approved invoice into cash within one business day of the listing filling, without a bank facility, a charge over your business or a covenant package.
Who qualifies
Businesses registered in the GCC or in India with GCC receivables, trading for at least 24 months, invoicing corporate or government buyers on credit terms of up to 120 days.
What we need
Trade licence, two years of financials, twelve months of bank statements, the buyer contract or purchase order, the invoice and proof of delivery or acceptance.
What it costs
A discount of roughly 0.7% to 1.1% per 30 days on the invoice value, depending on the buyer's credit and the tenor. No arrangement fee on your first facility.
How fast
Onboarding takes three to five business days. After that, individual invoices are typically listed within 24 hours and funded within 48.
Who pays what
| Item | Investor | Supplier |
|---|---|---|
| Opening an account | Free | Free |
| Funding a deal | Free | — |
| Discount on the invoice | Received as your return | Paid, deducted at drawdown |
| Platform fee | None. Our margin sits inside the discount | Included in the quoted discount |
| Withdrawal | Free from Altvest; your bank may charge | — |
| Late payment | Default interest passed through to you where recovered | Default interest from the due date |
| Recovery costs | Deducted from amounts recovered, pro-rata | Payable where recourse is called |
Tax is your responsibility. Altvest does not withhold, and treatment depends on your residence, so take your own advice.
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 Your money is lent against a single receivable for a fixed period, it cannot be withdrawn early, and it is not covered by any deposit guarantee.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 →
Start with one invoice.
Minimum ticket is AED 5,000. Most investors begin with a single short-tenor deal and add exposure once they have watched one settle end to end.