Comfi for the Food and Beverage Industry
Working capital solutions for Food and Beverage businesses
Comfi is a UAE-based fintech platform that converts outstanding invoices into cash within 24 hours for food and beverage businesses.
Whether you're a wholesaler, restaurant chain, or food manufacturer, Comfi offers flexible repayment terms with zero processing fees.
Trusted by 1,000+ SMEs across the UAE
Comfi is the smartest way to unlock working capital for the F&B industry
Discover how your F&B business grows with Comfi by your side
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Buy Now Pay Later solution that keeps your supply chain moving
A reliable supply chain is the key ingredient of any F&B business. Comfi pays you day one so you can pay suppliers on time and give buyers their terms. Everybody wins.
Invoice Discounting that supports your peak season
Ramadan, the holidays, tourist season. Your busiest periods shouldn't be your most stressful. Comfi ensures working capital is always ready when demand surges.
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Spend less time on chasing accounts receivables, more time on growing
So your team and resources can stay focussed on fulfilling demand and growing the business.
Our Impact in the Food and Beverage Industry
200+
F&B wholesalers and manufacturers work with us
Upto 100%
Growth in monthly
revenue
revenue
30%
Reduction in Days Sales Outstanding (DSO)
Types of F&B businesses we support
Enabling a smarter way of accessing capital for the entire F&B supply chain
Manufacturers
From production line to payroll, we keep cash flowing.
Wholesalers & Distributors
Bridge the gap between inventory costs and customer payments.
Importers & Exporters
Grow cross-border trade without the cash flow stress.
Food Service & Catering
Ensuring your business is always ready for peak demand seasons.
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 F&B entrepreneurs love Comfi
Learn how Comfi helps F&B business owners unlock their next stage of growth
“Comfi has helped us turn our receivables into growth capital. Their solution removed cash flow bottlenecks and allowed us to scale operations with confidence.”
- Anamika Hans, COO & Co-founder, Bevarabia
“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 food and beverage businesses
The UAE's food and beverage sector is one of the region's most dynamic markets, with the country importing over 85% of its food supply — valued at approximately AED 70 billion annually. From restaurant chains and catering companies to wholesale distributors and food manufacturers, F&B businesses operate on thin margins with high inventory turnover demands.
The core cash flow challenge is timing. F&B wholesalers typically pay suppliers upfront or on short 15-30 day terms, while their own clients, hotels, restaurants and supermarket chains, negotiate 60 to 90-day payment windows. This mismatch creates a constant working capital gap that limits how much inventory you can carry and how many orders you can fulfil.
For perishable goods businesses, the pressure intensifies. You cannot wait for last month's invoices to clear before restocking. Products expire, supply chains move on, and competitors step in. Seasonal demand spikes around Ramadan, holiday periods, and major events like Expo-related tourism further strain cash reserves.
Bank loans are poorly suited to F&B dynamics. Approval timelines of 2-4 weeks don't match the speed at which inventory decisions need to happen, and fixed repayment schedules ignore the cyclical nature of the business. Comfi's invoice discounting converts your outstanding receivables into immediate cash — typically within 24 hours — so you can restock, fulfil large orders, and negotiate better supplier pricing with upfront payment.
Whether you're a cold chain operator managing perishable logistics, a restaurant group scaling to new locations, or a beverage distributor preparing for peak season, Comfi provides the working capital flexibility that food and beverage businesses need to stay competitive in the UAE market.
See what Comfi can do for your F&B business
Learn how Comfi has shaped the way F&B businesses in the UAE access capital.
Frequently asked questions about Comfi
Contact UsWhat are Comfi's approval requirements for Food and Beverage businesses?
Comfi's eligibility criteria are designed for growing F&B businesses and trading companies that need quick access to working capital. Whether you're a restaurant supplier, foodstuff wholesaler, or an F&B manufacturer, 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 F&B businesses?
Yes. Comfi is a modern alternative to bank loans and traditional business loans for F&B businesses. With quick approval times, minimal paperwork, and a fully digital platform, Comfi provides fast access to working capital built around the real cash flow cycles of food and beverage businesses.
What payment terms does Comfi offer F&B merchants?
Comfi offers flexible payment terms across 30, 60, and 90 days with 2 to 3 installments. These options allow F&B businesses to stock up, fulfill large orders, and meet supplier obligations on time, without cash flow pressure disrupting operations.
How is Comfi different from traditional trade credit in F&B?
Unlike trade credit, which depends on supplier relationships and long waiting periods, Comfi provides immediate working capital by converting outstanding F&B invoices into cash. Suppliers get paid upfront while buyers maintain the flexible terms they need to keep their kitchens and warehouses running.
Does Comfi provide instant capital for F&B businesses?
Yes. Comfi unlocks immediate cash by converting unpaid F&B invoices into working capital. This helps restaurants, wholesalers, and manufacturers avoid the cash flow gaps that come with seasonal demand, bulk orders, and long buyer payment cycles.
Are there any processing fees or hidden charges?
Comfi maintains transparent pricing with zero processing fees and service charges shared upfront. F&B businesses always know exactly what they are paying for. No surprises, no hidden costs, just straightforward access to capital built for the industry.