Institutional Invoice Factoring for Critical Industries

Telecommunications • Construction • Supply Chain & Commodity Trade

MAELSTROM ET CIE specialises in funding solutions for restaurant businesses and brick‑and‑mortar high‑street companies, including cafés, takeaways, retailers, salons and hospitality venues.

We provide structured invoice factoring and receivables financing solutions to businesses operating in capital-intensive, contract-driven sectors. Our focus is on accelerating cash flow while preserving balance sheet strength.

Operating across the GCC, Middle East, Africa, and international trade corridors, we support companies working with large corporates, government entities, and multinational buyers.

GCC & MENA Focus
Up to 90% Advance
Shariah-Compliant Options
Multi-Currency Support

What We Do

We purchase approved invoices and advance up to 90% of face value, enabling our clients to unlock working capital tied up in receivables and maintain operational momentum.

Long Payment Cycles

Bridge the gap between invoice issuance and payment receipt with our flexible factoring solutions designed for extended settlement terms.

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Milestone-Based Contracts

Funding aligned with project milestones and progress certificates, ensuring steady cash flow throughout project execution.

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High-Volume Invoice Flows

Revolving facilities designed to handle repeat, high-volume invoice streams with efficient processing and quick turnaround.

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Cross-Border & Multi-Currency

Multi-currency and multi-jurisdiction support for international trade and export-driven businesses across MENA and beyond.

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Merchant Cash Advance (MCA)

Fast, flexible funding for card‑accepting businesses. Receive an upfront cash sum in exchange for a portion of future card sales, with repayments taken automatically as a percentage of daily takings adjusting in line with your revenue.

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Business Loans

Straightforward finance with predictable repayments. Access a lump sum of capital repaid over a fixed term through regular monthly instalments, supporting growth, cash flow management, and long‑term investment.

Industries We Serve

Each solution is tailored to the contractual, operational, and risk profile of the underlying industry.

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Telecommunications

Cash flow solutions for the telecom value chain, from network rollout to infrastructure deployment.

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Construction & Engineering

Financing built around project execution, supporting contractors throughout the project lifecycle.

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Supply Chain & Commodities

Working capital for global trade, commodity transactions, and distribution networks.

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Retail & Hospitality

Specialist funding for restaurants and brick‑and‑mortar high‑street businesses — cafés, takeaways, retailers, salons and hospitality venues — including Merchant Cash Advance (MCA) and short‑term working capital solutions.

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Telecommunications Factoring

Cash Flow Solutions for the Telecom Value Chain

Telecommunications projects require significant upfront investment while payment cycles remain extended. We provide invoice factoring solutions designed for telecom operators, infrastructure providers, and service vendors.

We Support

  • Network rollout and expansion projects
  • Fiber optic and tower deployment
  • Data centers and connectivity infrastructure
  • Equipment supply, installation, and maintenance
  • Wholesale carrier and interconnect services

Key Benefits

  • Accelerated cash flow for capex-heavy operations
  • Funding aligned to contract volumes and milestones
  • Reduced reliance on bank overdrafts
  • Improved working capital predictability

Typical Structures

  • Factoring against approved or certified invoices
  • Ongoing revolving facilities
  • Multi-currency funding
  • Disclosed or confidential arrangements
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Construction & Engineering Factoring

Financing Built Around Project Execution

Construction and engineering projects demand continuous liquidity to manage labour, materials, subcontractors, and logistics. We provide factoring solutions that align with project timelines and certification processes.

We Work With

  • Main contractors and subcontractors
  • EPC and infrastructure companies
  • Civil, MEP, and specialist contractors
  • Government and private sector projects

What We Factor

  • Interim payment certificates
  • Approved progress invoices
  • Variation-related receivables
  • Retention-backed structures (where applicable)

Benefits

  • Stable cash flow throughout project lifecycle
  • Reduced payment-cycle risk
  • Support for growth without balance sheet strain
  • Improved supplier and subcontractor payment discipline
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Supply Chain & Commodity Transactions

Working Capital for Global Trade

Supply chain and commodity transactions often operate with tight margins, high volumes, and extended settlement terms. Our factoring solutions enhance liquidity and support transaction velocity.

Supported Activities

  • Physical commodity trading (metals, energy, agriculture)
  • Import/export and distribution
  • Logistics and freight services
  • Manufacturing and wholesale supply

Our Approach

  • Counterparty credit-driven underwriting
  • Trade-flow aligned facilities
  • Support for international buyers and sellers
  • Multi-jurisdiction and cross-border structures

Benefits

  • Faster cash conversion cycles
  • Increased purchasing power
  • Improved inventory and trade financing flexibility
  • Reduced exposure to buyer payment delays

How It Works

A straightforward process designed for efficiency and transparency

1

Contract Execution

Goods or services are delivered in line with agreed terms.

2

Invoice Issuance

Invoices are raised to approved customers.

3

Funding Advance

Up to 90% advanced within 24-72 hours.

4

Settlement

Customer pays at maturity directly to us.

5

Balance Release

Remaining amount paid to you, less agreed fees.

Shariah-Compliant Financing

We offer Shariah-compliant receivables financing structures designed to align with Islamic finance principles.

Asset-Backed Transactions

All financing is backed by tangible receivables and contractual rights.

No Interest-Based Lending

Compliant with Islamic prohibition on riba (interest).

Clear Ownership Transfer

Transparent transfer of receivables ownership as per Islamic principles.

Transparent Fee Structures

Clear, upfront pricing with no hidden charges or interest components.

Shariah-compliant solutions are available subject to transaction structure and jurisdiction.

Why Clients Choose Us

Get Paid Faster. Operate with Confidence.

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Industry-Led Underwriting

Deep sector expertise ensures tailored solutions that understand your business dynamics.

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Counterparty-Focused

Credit assessment based on your customers' creditworthiness, not just your balance sheet.

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Flexible Structures

Transaction-based solutions that adapt to your operational and contractual requirements.

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Non-Dilutive Financing

Access working capital without equity dilution or restrictive covenants.

Who We Work With

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SMEs & Mid-Market Enterprises

Growth-oriented businesses seeking efficient working capital solutions.

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Regional & Multinational Suppliers

Suppliers operating across borders and multiple jurisdictions.

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Government Contractors

Entities working with government and quasi-government organizations.

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Commodity Traders & Distributors

Businesses with strong, creditworthy counterparties.

Our Credit Philosophy

Our underwriting focuses primarily on:

  • Counterparty credit quality
  • Contractual enforceability
  • Operational track record
  • Invoice approval and payment certainty

This allows clients to access funding even where traditional bank financing may be constrained.

Contact Us

Unlock liquidity from your receivables and strengthen your working capital position. Contact our team to discuss a tailored invoice factoring solution for your business.