Invoice Discounting
Confidential invoice discounting against your sales ledger.
Invoice discounting is a confidential facility that advances cash against your unpaid sales ledger while you retain collections — typically up to 80–90% of eligible receivables. Matchpoint arranges revolving lines that scale with sales.
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.
Invoice discounting is a confidential facility that advances cash against your unpaid sales ledger while you retain control of collections — typically up to 80–90% of eligible receivables. Unlike factoring, your customers are usually unaware of the arrangement. Matchpoint Partners arranges revolving invoice-discounting lines that scale with your sales.
Our role on invoice discounting mandates
- Confidential — customers not notified
- You retain control of collections
- Funding scales with your sales ledger
- Flexible revolving liquidity
Select transactions
Representative debt mandates led by Matchpoint partners.
Receivables financing with tripartite escrow.
Working capital via invoice discounting & supplier finance.
Research relevant to this area
Original analysis and decision frameworks from the Matchpoint team.
Invoice Discounting — frequently asked questions
Yes — customers are typically unaware, and you keep collections.
Commonly up to ~80–90% of eligible receivables.
Invoice discounting suits established businesses selling to other businesses on credit terms, with a well-spread debtor book, reliable invoicing systems and a track record of collecting their own ledger. Because the facility is confidential and you retain collections, lenders need confidence in your credit control before advancing against the ledger.
You remain responsible for collecting the debt, and invoices that age beyond an agreed period are removed from the borrowing base, reducing your availability. Under a recourse arrangement the credit risk stays with you; credit insurance or non-recourse terms can be added where protection against customer failure is needed.
Invoice discounting is secured against your sales ledger and grows automatically as sales grow, whereas an overdraft is a fixed limit set against your overall covenant and reviewed periodically. For an expanding business, the discounting line scales with trading; an overdraft must be renegotiated each time you outgrow it.
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 5m 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.
Engagements ordinarily combine a retainer with a success fee. Terms are agreed in writing before work begins and calibrated to the mandate’s size, scope and complexity.
Most mandates reach a first term sheet within 30 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 undertakes corporate finance, financing, M&A and fund-placement mandates from USD 5m upwards, subject to mandate fit, diligence, applicable regulation, capacity and a written engagement. The partner team has originated and led $2+ billion of transactions.
Use the enquiry form, email contact@matchpoint-partners.com, or call/WhatsApp +971 52 345 1119. Every mandate is led by a partner from the very first conversation.
Yes. Confidential information is handled under the engagement terms and any applicable non-disclosure agreement.
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Investment roles, structures and decision criteria
Explore the participants and transaction options relevant to this practice. Each entry sets out a discussion scope, decision checks, a paid engagement starting point and the specialist responsibilities to confirm.
Asset and Trade Finance
Receivables-Finance ProvidersCME-063 · Asset and Trade Finance · Debt Lender
- Ecosystem role
- Debt Lender
- Related asset class
- Private credit
- Instrument context
- Asset-based lending
Mandate context: inventory, receivables, trade and equipment funding. The structure and rights are established by the specific transaction documents.
Decision focus: Financeable assets and traceable cash conversion.
- Asset ownership, eligibility and supporting records
- Receivable, inventory or equipment quality
- Concentration, collections, controls and recourse
Scope to discuss: Lender advisory, independent credit underwriting and financing execution.
Paid engagement entry point: independent credit-screening memorandum; followed by underwriting, structuring or portfolio monitoring.
Illustrative GCC scenario: An illustrative Saudi supplier financing can be reviewed using purchase orders, receivables evidence, obligor concentration and collection controls. This is a hypothetical decision example.
What should be agreed before a mandate involving Receivables-Finance Providers?
Define the investment or transaction objective, the authorised decision-maker, the evidence available, the requested deliverables and the next approval. Use the decision checks above to identify gaps; agree the workplan, delivery responsibilities and fee terms in writing.
Delivery and specialist boundary: Confirm decision authority, evidence access, conflicts, scope and applicable jurisdiction-specific permissions before execution. Legal, tax, fund-marketing, securities and Shariah questions require the relevant appointed specialist. Capital availability, investment returns and execution dates remain subject to assessment.
Discuss a paid scopeDebt and Asset Finance
Receivables FinanceCME-232 · Debt and Asset Finance · Funding Instrument
- Ecosystem role
- Funding Instrument
- Related asset class
- Private credit
- Instrument context
- Debt or asset finance
Mandate context: corporate, project, asset and acquisition financing. The structure and rights are established by the specific transaction documents.
Decision focus: Cash obligations and risk allocation.
- Pricing, tenor and repayment obligations
- Collateral, covenants and priority
- Sensitivity to delays, cash shortfalls and refinancing
Scope to discuss: Capital-structure design, financing options analysis and execution support.
Paid engagement entry point: financing-options and term-sheet assessment; followed by lender or investor process execution.
Illustrative GCC scenario: An illustrative Saudi funding proposal can compare repayment, security, covenant and refinancing terms on common cash-flow assumptions before specialist documentation review. This is a hypothetical decision example.
What should be agreed before a mandate involving Receivables Finance?
Define the investment or transaction objective, the authorised decision-maker, the evidence available, the requested deliverables and the next approval. Use the decision checks above to identify gaps; agree the workplan, delivery responsibilities and fee terms in writing.
Delivery and specialist boundary: Confirm decision authority, evidence access, conflicts, scope and applicable jurisdiction-specific permissions before execution. Legal, tax, fund-marketing, securities and Shariah questions require the relevant appointed specialist. Capital availability, investment returns and execution dates remain subject to assessment.
Discuss a paid scopeFurther reading on diligence, market frameworks and applicable requirements. These resources do not verify an individual mandate or Matchpoint permission.
