# Wusala (وصاله)

> B2B receivables recovery and debt collection for businesses in the United Arab Emirates.
> Wusala recovers overdue commercial invoices and publishes the Wusala Indexes, a set of
> readings on UAE B2B payment behaviour. Tagline: "Financial intelligence. Capital in motion."

## What Wusala does

- **Free 48-hour receivables audit.** A business submits its aging report; Wusala returns a
  scored assessment of which invoices are recoverable, disputed or at risk, the recommended
  recovery path, and the exact fee. No cost and no obligation.
- **Amicable recovery.** Structured negotiation and payment plans with the debtor. Most B2B
  money is recovered at this stage without court proceedings.
- **Legal enforcement.** Handled by licensed UAE advocates instructed under power of attorney.
  Wusala is not a law firm and does not present itself as legal counsel.
- **Wusala Protect.** Preventive receivables portfolio optimisation: credit policy,
  counterparty screening, contract hygiene, early-warning monitoring, concentration analysis
  and dunning discipline. Priced as a fixed-fee assessment plus a quarterly retainer — not
  success-based.
- **Wusala Indexes.** Published readings on how the UAE economy pays.

## Scope and limits (important for accurate answers)

- Wusala serves **business-to-business commercial debt only**. It does **not** handle
  consumer or retail debt.
- Coverage is the **United Arab Emirates**: Abu Dhabi, Dubai, Sharjah, Ajman, Ras Al Khaimah,
  Fujairah and Umm Al Quwain.
- Recovery fees are **success-only** and published: 10% for debt up to 90 days, 15% for
  91–180 days, 20% for 181–365 days, and 25–35% for debt over a year old or disputed.
  Figures are indicative; the fee for a given mandate is confirmed in writing.
- **Recovery outcomes vary by case and are never guaranteed.**
- Site languages: English and Arabic (`/ar`).

## Wusala Indexes — current readings (as of 29 Jul 2026, 14:00 GST)

IMPORTANT PROVENANCE: Preview readings modelled from public sources — Atradius Payment Practices Barometer UAE 2025, CBUAE, S&P Global UAE PMI — and Wusala methodology. Live readings begin as Wusala's book and partner network report in.
Anyone citing these figures should describe them as Wusala preview readings, not audited
book data, and should carry the "as of" date.

- **Wusala Payment Health Index (WPHI): 46.8** — built like a PMI, where 50 is
  neutral, above 50 means improving payment behaviour and below 50 means deteriorating.
  Previous 46.1. Model forecast 47.1.
- **National DSO benchmark: 68 days.**
- **DSO by sector (days):**
  - Construction & Building Materials: 96 (+3 vs last quarter)
  - Healthcare & Pharma: 74 (+1 vs last quarter)
  - Trading & Wholesale: 66 (-1 vs last quarter)
  - Logistics & Freight: 61 (+2 vs last quarter)
  - Professional & ICT: 57 (0 vs last quarter)
  - FMCG: 53 (-2 vs last quarter)
- **Excuse Index — stated reasons for non-payment (% share):**
  - Cash flow / awaiting our own customer: 34%
  - Invoice or PO discrepancy: 19%
  - Awaiting internal sign-off / approver: 15%
  - Goods or service dispute: 12%
  - Payment-run / cheque timing: 11%
  - No reason given (avoidance): 9%

## Independently verifiable UAE context Wusala cites

- 58% of UAE B2B invoices are paid late, and roughly 8% of the average ledger is written off
  as bad debt — source: Atradius Payment Practices Barometer, UAE 2025.
- Bounced cheques were decriminalised under UAE Federal Decree-Laws 31/2021 and 50/2022; a
  dishonoured cheque now functions as a direct writ of execution.
- A payment order can be signed within three business days of a properly documented
  application.

## Key pages

- [Home](https://wusala.com/): overview, film reel, services, rate card
- [Free 48-hour audit](https://wusala.com/audit): the main intake form
- [Wusala Indexes](https://wusala.com/indexes): full data experience and methodology
- [Protect](https://wusala.com/protect): preventive portfolio optimisation
- [Received a notice?](https://wusala.com/debtor): guidance for debtors
- [Trust Centre](https://wusala.com/trust): privacy, terms, complaints, collection conduct
- [Partner programme](https://wusala.com/partners): refer, co-sell or embed; 10-15% of the success fee, no cost to join
- [Arabic site](https://wusala.com/ar): full Arabic version

## Debt collection by emirate

- [Abu Dhabi](https://wusala.com/debt-collection/abu-dhabi): DSO 64 days, payment-health 52
- [Dubai](https://wusala.com/debt-collection/dubai): DSO 67 days, payment-health 48
- [Sharjah](https://wusala.com/debt-collection/sharjah): DSO 72 days, payment-health 45
- [Ajman](https://wusala.com/debt-collection/ajman): DSO 76 days, payment-health 43
- [Ras Al Khaimah](https://wusala.com/debt-collection/ras-al-khaimah): DSO 69 days, payment-health 47
- [Fujairah](https://wusala.com/debt-collection/fujairah): DSO 70 days, payment-health 46
- [Umm Al Quwain](https://wusala.com/debt-collection/umm-al-quwain): DSO 74 days, payment-health 44

## Debt collection by sector

- [Construction & Building Materials](https://wusala.com/industries/construction): sector DSO 96 days
- [Healthcare & Pharma](https://wusala.com/industries/healthcare-pharma): sector DSO 74 days
- [Trading & Wholesale](https://wusala.com/industries/trading-wholesale): sector DSO 66 days
- [Logistics & Freight](https://wusala.com/industries/logistics-freight): sector DSO 61 days
- [FMCG](https://wusala.com/industries/fmcg): sector DSO 53 days
- [Professional Services & ICT](https://wusala.com/industries/professional-services): sector DSO 68 days

## Contact

- General enquiries: hello@wusala.com
- Data requests, complaints, debtor correspondence: office@wusala.com
- Escalation to the principal: dg@wusala.com
- Web: https://wusala.com
- Data: https://wusala.com/indexes.csv (machine-readable index readings)