Comfi for the Construction Industry
Working capital solutions for Construction businesses
Comfi is a UAE-based fintech platform that converts outstanding invoices into cash within 24 hours for construction businesses.
From general contractors to building materials suppliers, Comfi offers flexible 30, 60, or 90-day repayment terms with zero processing fees.
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Trusted by 1,000+ SMEs across the UAE
Comfi helps Construction businesses build more without cash flow stress
Discover how your construction business grows with Comfi by your side
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Invoice Discounting that keeps every project fully funded
Upfront payments from Comfi ensure labour, materials, and subcontractor costs are covered from day one.
Working capital ready before the next contract breaks ground
Never turn down a new construction project because mobilisation costs aren't covered yet.
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Stop chasing accounts receivables and get back to delivering projects
Free your operations team from chasing payments so they focus on delivery and growth.
Our Impact in the Construction industry
100+
Construction businesses work with us
25%
Growth in project capacity
24h
Time to cash
Types of Construction businesses we support
Enabling a smarter way of accessing capital for all types of construction businesses
General Contractors
Take on larger contracts confidently, knowing mobilisation costs are covered from day one.
Subcontractors
Deliver your scope on time without waiting on the main contractor to release payments.
Construction and Building Materials Suppliers
Supply every project on time without tying up cash in inventory between orders.
MEP Contractors
Deliver mechanical, electrical, and plumbing works to key projects smoothly without payment delays disrupting schedules.
Architecture and Engineering Consulting
Keep projects moving forward confidently, even when client payments are still weeks away.
Fit-out and Interior Contractors
Fund every fit-out project fully from procurement to handover, without cash flow interruptions.
Civil Engineering Firms
Long project timelines and heavy upfront costs shouldn't limit how many contracts you pursue.
Are you eligible for financing with Comfi
UAE registered business
B2B business type
More than 6 months in operations
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More than AED 100,000
in monthly revenue
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Why Construction entrepreneurs love Comfi
Learn how Comfi helps Construction business owners unlock their next stage of growth
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“Partnering with Comfi has been a strategic game-changer for us. In a fast paced and competitive market, having access to immediate liquidity gives us a real advantage.”
- Galaleldin Ibrahim, Owner & Operations Director, Binja
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“When we have cash in hand, we negotiate better with suppliers. That directly improves our margins. With Comfi, we can do that confidently.”
- Dharshan DC, International Sales Manager, Furniconcepts
“Comfi made it easy for us to improve our working capital at a critical time — seamless, transparent, and exactly as promised.”
- Raja Abuljebain, CEO, Essentially Juices Manufacturing LLC
“With Comfi by their side, an entrepreneur can focus on achieving their dreams, without worrying about cash flow.”
- Catalina Onate, CEO & Founder, Best of Latin Foodstuff Trading LLC
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“When we have cash in hand, we negotiate better with suppliers. That directly improves our margins. With Comfi, we can do that confidently.”
- Dharshan DC, International Sales Manager, Furniconcepts
“We are no longer offering any new credit terms unless it goes through Comfi. It’s cost effective to maintain credit business, as they take away all the risk and collection headaches.”
- Rohit Thomas, CEO, RF Technologies
Cash flow challenges facing UAE construction businesses
The UAE construction sector contributed over AED 230 billion to GDP in 2024, driven by mega-projects like NEOM-linked supply chains, Dubai's urban expansion, and Abu Dhabi's infrastructure modernisation. Yet behind these headline figures, thousands of contractors and subcontractors face a persistent challenge: getting paid on time.
Construction payment cycles in the UAE typically run 60 to 120 days. Main contractors often hold retention payments of 5-10% for 12 months or more, and milestone-based billing means revenue arrives in unpredictable chunks. For subcontractors and materials suppliers further down the chain, delays compound — it's common to wait 90+ days for a single payment.
This creates a cash flow gap that forces businesses to choose between taking on new projects and paying existing obligations. According to industry surveys, over 60% of UAE construction SMEs cite late payments as their biggest operational challenge, and many turn down profitable contracts simply because they can't finance the upfront costs.
Traditional bank loans rarely solve this problem. Approval takes weeks, collateral requirements are high, and rigid repayment schedules don't match project-based revenue. Comfi's invoice discounting model is built around how construction businesses actually operate: upload an invoice, get funded in 24 hours, and repay on flexible 30, 60, or 90-day terms that align with project payment milestones.
Whether you're a general contractor waiting on a progress payment, a subcontractor bridging the gap between mobilisation and first billing, or a building materials supplier financing a bulk order, Comfi gives you the working capital to keep projects moving without the overhead of traditional financing.
See what Comfi can do for your Construction business
Learn how Comfi has shaped the way Construction businesses in the UAE access capital.
Frequently asked questions about Comfi
Contact UsWhat are Comfi's approval requirements for Construction businesses?
Comfi's eligibility criteria are designed for growing construction businesses and contractors that need quick access to working capital. Whether you're a general contractor, subcontractor, civil works company, fit-out specialist, or building materials contractor, your business must be in operation for at least 6 months with an average monthly revenue of AED 100,000.
Is Comfi an alternative to bank loans for Construction businesses?
Yes. Comfi is a modern alternative to bank loans and traditional business loans for construction businesses. With quick approval times, minimal paperwork, and a fully digital platform, Comfi provides fast access to working capital built around project-based cash flow cycles.
What payment terms does Comfi offer Construction businesses?
Comfi offers flexible payment terms across 30, 60, and 90 days with 2 to 3 installments. These options allow construction businesses to purchase materials, manage labor costs, and keep projects moving without cash flow pressure disrupting operations.
How is Comfi different from traditional trade credit in Construction?
Unlike trade credit, which depends on supplier relationships and long waiting periods, Comfi provides immediate working capital by converting outstanding invoices into cash. Suppliers get paid upfront while contractors maintain the flexible terms needed to complete projects successfully.
Does Comfi provide instant capital for Construction businesses?
Yes. Comfi unlocks immediate cash by converting unpaid construction invoices into working capital. This helps contractors avoid cash flow gaps caused by project milestones, retention payments, and long payment cycles.
Are there any processing fees or hidden charges?
Comfi maintains transparent pricing with zero processing fees and service charges shared upfront. Construction businesses always know exactly what they are paying for. No surprises, no hidden costs, just straightforward access to capital built for the industry.