sme-financing
(10)
Ninety Percent of the Economy, Ten Percent of the Credit
SMEs are most of the UAE economy and a fraction of its lending. CredibleX embeds working capital where business already happens - and turned Mubadala into a lead investor with a $15 million Series A.
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Abhi
Abhi is a MENAP embedded-finance company that started by letting salaried workers draw wages they have already earned before payday, and has grown into a full stack of employer-facing tools - earned wage access, payroll processing, payroll financing and invoice factoring - plus its own microfinance bank in Pakistan. Founded in 2021 by Omair Ansari and Ali Ladhubhai and backed by Y Combinator (S21), it now serves over a million people across thousands of companies in Pakistan, the UAE, Saudi Arabia and Oman, and was the first MENAP fintech named a World Economic Forum Technology Pioneer.
Creizer
Creizer is a Mexico City fintech providing revenue-based financing to online sellers across Latin America. Often described as the Clear.co (formerly Clearbanc) for LATAM, it underwrites credit using a seller's daily sales and store metrics rather than traditional collateral, then collects repayment as a percentage of ongoing sales with no fixed installments or interest rates. Founded in 2021 by Emiliano Musalem and part of Y Combinator's Winter 2022 batch, Creizer offers credit lines from roughly 30,000 pesos up to several million, targeting the more than 80% of Latin American SMEs that lack access to conventional bank loans.
Fluid
Fluid is a Singapore-based B2B payments platform that lets suppliers and marketplaces offer their business buyers flexible credit terms and installments at the point of purchase. Its AI underwriting engine approves buyers in seconds, pays suppliers on day one, and automates reconciliation - bringing consumer-grade buy-now-pay-later mechanics to business commerce across Southeast Asia. Founded in early 2023 by former Atome and Uber operators, Fluid has raised US$7M and serves 3,000+ businesses across Singapore and Malaysia.
HALA
HALA is a Riyadh-based fintech building the 'bank of the future' for small and medium enterprises across Saudi Arabia and the wider MENA region. Founded in 2018 by Esam AlNahdi and Maher Loubieh, it combines business IBAN accounts, card issuance, POS and soft-POS payment acceptance, expense management and SME financing into a single platform regulated by the Saudi Central Bank (SAMA). HALA serves more than 140,000 businesses, processes over $8 billion in annual transactions, and in September 2025 raised a $157 million Series B - one of the largest fintech Series B rounds in the Middle East - at a reported valuation near $900 million.
Incomlend
Incomlend is a Singapore-based global invoice financing marketplace that connects SMEs, exporters and importers with institutional investors, letting businesses convert unpaid trade invoices into cash - often within 48 hours and for up to 90% of invoice value - without traditional collateral. Founded in 2016 by Morgan Terigi and Dimitri Kouchnirenko, the platform lets investors 'cherry-pick' individual cross-border receivables, and has financed more than USD 1 billion in trades across 50+ countries and 20+ industries.
تعميد | Tameed
Tameed (تعميد) is a Riyadh-based fintech that runs the first Saudi Central Bank-licensed debt crowd-lending platform specialized in purchase-order financing. It connects small and medium enterprises holding government and large-corporate purchase orders with a crowd of individual and institutional investors who fund those orders in return for Sharia-compliant profit. SMEs unlock working capital in as little as three business days, while investors gain access to short-term, asset-backed opportunities that have paid an average annual return in the mid-teens.
Tarabut
Tarabut (formerly Tarabut Gateway) is the MENA region's first and largest regulated open banking platform, connecting a network of banks and fintechs through a universal API. Founded in Bahrain by Abdulla Almoayed and now headquartered in Riyadh, the company provides banking-as-a-service, embedded finance, account-to-account payments, and data-driven credit tools that let financial institutions and businesses build personalized financial products across Saudi Arabia, the UAE and Bahrain.
Mundi
Mundi is a digital trade-finance platform that gives small and mid-sized Mexican exporters and importers fast access to working capital. Instead of waiting 30 to 90 days to be paid, businesses use Mundi to advance invoices, finance purchase orders, draw on revolving credit lines, and manage payments, FX and cargo insurance through a single online platform. Founded in 2020 and backed by Union Square Ventures, Mundi has financed more than $1 billion in cross-border trade to over 60 countries.