smes
(3)
FinFlx
FinFlx is a Dubai-based fintech that helps UAE companies forecast, fund and manage their employees' end-of-service gratuity in line with local labour law. Its platform automates gratuity calculations for HR and finance teams, lets employers park those liabilities in a segregated, professionally managed fund, and gives employees an app with a flexible savings account paying a guaranteed 4-5% return. Founded by Amr Yussif and Matthieu Capelle after Yussif's own gratuity was withheld, FinFlx went through Y Combinator's W22 batch and is regulated by the FSRA in Abu Dhabi Global Market.
Swipe
Swipe is a Hyderabad-based billing and accounting app that lets India's small and medium businesses create GST-compliant invoices in seconds, share them over WhatsApp with instant payment links, and manage inventory, purchases and tax filing from one place. Backed by Y Combinator (S21), it targets the roughly 75 million SMEs that still run on paper ledgers and spreadsheets.
GudangAda
GudangAda is an Indonesian B2B e-commerce marketplace founded in 2019 that connects manufacturers, distributors, wholesalers and retail stores across the country's fragmented fast-moving-consumer-goods supply chain. Alongside its marketplace it offers logistics, merchant tools and financing so small retailers can source, order, pay and receive goods in one app. After scaling to roughly half a million SMEs and about $6 billion in transaction value on more than $135 million of venture funding, the company retrenched from its capital-intensive FMCG model and pivoted toward beauty and personal-care retail under its Kaka Beauty brand.