Debt

Factoring

Receivables factoring to convert invoices into immediate liquidity.

Factoring
Overview

Factoring is the sale of accounts receivable to a financier at a discount for immediate cash, improving cash flow without conventional balance-sheet debt. Matchpoint arranges recourse and non-recourse factoring.

As part of our Debt practice, Matchpoint Partners has originated and led $2+ billion of transactions across four continents — and every debt mandate is led by a partner, from first call to close.

Factoring is the sale of a company's accounts receivable to a financier at a discount, in exchange for immediate cash. It improves cash flow without adding conventional debt to the balance sheet, and suits growing, receivables-heavy businesses. Matchpoint Partners arranges recourse and non-recourse factoring facilities with regional and international providers.

How factoring works: the business sells invoices to the factor for most of their value upfront; the factor collects from customers and remits the balance, less fees.
How factoring works: the business sells invoices to the factor for most of their value upfront; the factor collects from customers and remits the balance, less fees.
How Matchpoint helps

Our role on factoring mandates

  • Immediate cash against invoices
  • Recourse and non-recourse options
  • Improves cash flow off-balance-sheet
  • Suited to receivables-heavy businesses
Track record

Select transactions

Representative debt mandates led by Matchpoint partners.

Infrastructure · Nordics
$100m

Data centre construction & refinancing facility.

Project / Data Centre Finance · Nordics
Real Estate · UAE
$300m

Ultra-premium land bank — Sukuk + private credit at ~8.5%.

Debt Adviser · UAE
Real Estate · Dubai
$190m

Receivables financing with tripartite escrow.

Debt Adviser · Dubai
Industrials · UAE
$15m

Working capital via invoice discounting & supplier finance.

Debt Adviser · UAE
Battery Tech · UAE
$10m

Venture debt for a battery-technology company.

Debt Adviser · UAE
Innovation & insight

Our proprietary research

Original, data-driven research from our team, relevant to this area.

Questions, answered

Factoring — frequently asked questions

You sell invoices to a factor for most of their value upfront; the factor collects and remits the balance, less fees.

Factoring can include collections and disclosure; invoice discounting is typically confidential.

Under recourse factoring, you must buy back or replace invoices your customer fails to pay, so the credit risk stays with you. Non-recourse factoring transfers that risk to the factor, usually for a higher fee and subject to credit limits on each debtor. The right choice depends on debtor quality and your risk appetite.

Factors assess the quality and spread of your customers, since they are effectively lending against those debtors. They look for creditworthy buyers, low concentration on any single customer, clean invoicing with few disputes or credit notes, and clear evidence of delivery. The strength of your own balance sheet matters less.

Yes. Cross-border factoring funds invoices owed by overseas buyers, often with credit protection on the foreign debtor through the factor’s international network or credit insurance. It suits exporters offering open-account terms who want to remove both the waiting time and the collection risk on distant customers.

Matchpoint originates senior, mezzanine, hybrid and structured debt from regional banks, international lenders and private credit funds, structured around your transaction. Tickets range from USD 10m to USD 500m+.

Private credit is non-bank lending from specialist funds, typically senior or unitranche, offering speed and flexibility. We maintain relationships with private credit funds active in the GCC and India.

Yes. We structure Sukuk and Shariah-compliant private credit, including blended structures pairing a Sukuk tranche with conventional debt.

Matchpoint works primarily on a success fee, with a modest retainer to cover execution. Fees are agreed in writing up front and scaled to the size and complexity of the transaction — with no hidden costs.

Most mandates reach a first term sheet within 30–90 days, depending on diligence readiness and structure; closing follows once terms are agreed.

A short, confidential scoping call and NDA; we structure the requirement and prepare materials, then run a competitive process across our 5,000+ investor and lender relationships, and negotiate to close — with a partner leading at every step.

Matchpoint Partners is based in the UAE and runs cross-border mandates across the UAE, KSA, India and the UK, with active deal activity in wider Europe, Singapore and the United States.

Matchpoint has originated and led $2+ billion of transactions, with equity tickets typically USD 5m–300m, debt USD 10m–500m+, real estate finance USD 20m–500m+, and fund placements for funds of USD 50m–1bn+.

Use the enquiry form, email ck.adya@matchpoint-partners.com, or call/WhatsApp +971 52 345 1119. Every mandate is led by a partner from the very first conversation.

Yes. Matchpoint runs discreet, confidential processes and discloses client identities only under a signed non-disclosure agreement (NDA).

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