Turn Unpaid Invoices Into Working Capital
Stop waiting 30–90 days for buyers to pay. HBX Invoice Financing unlocks up to 90% of your invoice value instantly — keeping your operations running and your growth uninterrupted.
90%
Invoice Value Advanced
24h
Average Disbursement Time
0%
Collateral Required
120d
Max Tenor Flexibility
Why HBX Invoice Financing?
Built for businesses that move fast and can't afford to wait on their cash flow.
Instant Liquidity
Access up to 90% of your invoice value within 24 hours of verification.
No Collateral Required
Your invoices are the collateral. No need to pledge business or personal assets.
Shariah-Compliant
Structured under Wakalah and Murabahah frameworks, fully certified by our Shariah board.
Flexible Tenor
Choose repayment tenors from 30 to 120 days aligned with your buyer's payment cycle.
How It Works
Four simple steps from invoice to cash.
01 — Submit Invoice
Upload your invoice and supporting documents through the HBX dashboard.
02 — Instant Verification
Our system verifies the invoice with your buyer digitally — no manual back-and-forth.
03 — Funds Disbursed
Receive up to 90% of the invoice value directly to your digital wallet.
04 — Buyer Settles
Once the buyer pays, the remaining balance (minus fees) is released to you.