sme-lending
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6Estates
6Estates is a Singapore-based enterprise AI company that turns messy, unstructured financial documents into structured decisions. Spun out of the NExT++ research center (NUS, Tsinghua, University of Southampton), it builds domain-specific large language models, intelligent document processing, and agentic AI tools that banks and lenders across Asia use to automate credit assessment, financial statement analysis, and trade finance checks.
Flow48
Flow48 is a Dubai-based fintech that gives small and medium businesses in emerging markets fast access to working capital by turning their future revenue and unpaid invoices into upfront cash. Founded in 2022 by serial entrepreneur Idriss Al Rifai, the company uses a proprietary, data-driven underwriting engine to approve non-dilutive, collateral-free financing of up to $20 million, typically disbursing funds within 24 to 48 hours. Operating across the UAE and South Africa with expansion into Saudi Arabia, Flow48 raised a $69 million Series A in February 2025 to close the SME funding gap that traditional banks leave open.