ADNOC & Comera Financial Revolutionize UAE SME Financing with Instant Working Capital Access

ADNOC has launched a transformative SME financing initiative in partnership with Comera Financial Holdings, introducing an automated platform that converts approved ADNOC purchase orders into instant working capital. This intelligent system allows UAE-based SMEs and suppliers to unlock immediate liquidity, strengthen cash flow, and accelerate delivery timelines—eliminating one of the most persistent barriers to SME growth. The program directly supports ADNOC’s In-Country Value (ICV) strategy and the UAE’s wider goal of building a more competitive, resilient, and diversified private-sector economy.

Strategic Context

The UAE’s SME sector forms a critical backbone of national economic output, yet many businesses face cash flow constraints due to traditional payment cycles and limited access to structured financing. By integrating technology-driven purchase order financing into its supply chain ecosystem, ADNOC is removing friction, strengthening supplier performance, and accelerating industrial development.

• Automated financing tied directly to approved ADNOC purchase orders.
• Instant access to working capital without lengthy credit assessments.
• Aligned with national goals to enhance private-sector participation and resilience.

How the Financing Platform Works

Instant Liquidity Through Purchase Order Conversion

• Once a purchase order is approved by ADNOC, SMEs can convert it into immediate funding.
• The platform automates verification, underwriting, and disbursement using AI and data intelligence.
• Funds are released rapidly, enabling suppliers to procure materials, expand capacity, and meet delivery requirements.

Smart Credit Assessment and Risk Reduction

• Credit decisions are based on ADNOC’s purchase order reliability rather than SME collateral.
• SMEs benefit from more predictable cash flow cycles and reduced financial pressure.
• Financial institutions gain confidence through data-driven risk modeling and ADNOC-backed commitments.

Economic and Industrial Impact

This initiative sits at the intersection of supply chain modernization, fintech integration, and national economic development. By improving liquidity and operational agility, UAE SMEs are better positioned to scale, innovate, and compete regionally and globally.

• Strengthens the UAE’s industrial base by enabling on-time project delivery.
• Supports SMEs in entering new markets and expanding production capabilities.
• Enhances local manufacturing and service capabilities aligned with the UAE’s diversification agenda.

Alignment with ADNOC’s In-Country Value Program

ADNOC’s ICV Program is designed to stimulate local industry, increase private-sector participation, and reinforce long-term economic sustainability. This financing platform increases the competitiveness of local suppliers by offering them the capital flexibility typically enjoyed by larger enterprises.

• Encourages SME participation in ADNOC’s procurement ecosystem.
• Promotes local employment and industrial capacity building.
• Improves supply chain stability through strengthened vendor performance.

Opportunities for SMEs, Investors, and Advisory Firms

• SMEs: Access capital without traditional collateral demands, enabling faster scaling and reduced operational bottlenecks.
• Banks and lenders: Gain entry into a low-risk, high-volume financing channel supported by ADNOC’s procurement infrastructure.
• Business advisors and consultants: Support SMEs in optimizing cash flow, restructuring operations, and leveraging new financing models.

Handle Insight

ADNOC’s partnership with Comera represents a strategic leap forward in SME financing—turning purchase orders into a direct engine of liquidity, resilience, and growth. By merging financial technology with supply chain strength, the UAE is redefining how national champions can empower the private sector. For SMEs and investors alike, this is a blueprint for how smart financing can accelerate execution, capability building, and long-term economic competitiveness.