What Retailo Technologies does

Retailo Technologies operates a B2B digital distribution platform targeting the traditional retail supply chain across the MENAP region (Middle East, North Africa, and Pakistan). Founded in 2020 and headquartered in Riyadh, Saudi Arabia with a holding company incorporated in Abu Dhabi Global Market, the company serves SMB retailers (kirana-style shops) and HORECA businesses (hotels, restaurants, cafes) through a mobile-first marketplace accessible via iOS and Android apps. The platform enables retailers to browse 3,500+ SKUs, compare prices, place orders, and receive next-day delivery, with an active retailer base of 50,000+ and stated ambition to reach 10 million SMEs across the region.

The product ecosystem spans the core Retailo App (B2B marketplace), the Hisaab App (free digital ledger for SME bookkeeping with automated payment reminders), the HORECA Platform (specialized B2B supply for hospitality), Retailo Wallet (stored balance), and Credit Buy (Shariah-compliant buy-now-pay-later). Technology integrations include Google Analytics, Mouseflow, Cloudflare, and Muawin for payments; the platform supports Arabic, English, Urdu, and Roman Urdu. Underlying capabilities include credit scoring based on business size and repayment history, automated delivery assignment with ETA estimation, and basic fraud monitoring.

The business model generates revenue through transaction fees/margins on marketplace sales, credit and financing services, and partner brand revenue share (subscription/recurring) from brand partners accessing the 50,000+ retailer network with data-driven warehousing and marketing services. Distribution is exclusively via mobile apps on a product-led growth basis — retailers self-register, browse, and order without sales intervention. The company has raised approximately $60M across multiple funding rounds, most notably a $36M Series A in February 2022 and a $15M equity round in November 2023, and acquired UAE-based DXBUY in April 2022 to enter the Middle Eastern HORECA sector.

Name

Retailo Technologies

Legal name

Retailo Technologies Holding Limited

Website

https://retailo.co

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Retailo Technologies operates a B2B digital marketplace and fintech platform serving 50,000+ SMB retailers and HORECA businesses across MENAP, offering next-day wholesale delivery, digital ledger tools, and Shariah-compliant credit through mobile apps.

Ownership category

akta.pro rank

Product category

B2B Digital Marketplace / Wholesale Distribution Platform

NAICS

Retail Trade (44-45), General Merchandise Retailers (455)

SIC

Retail-Nonstore Retailers (5960)

akta.pro primary industry

Wholesale/B2B Generalist Marketplaces (CRAFAAAF)

Keywords

• B2B marketplace platform
• Retail supply chain
• Digital wholesale distribution
• SME inventory procurement
• HORECA wholesale supply

Headquarters

HQ city

Riyadh

HQ country

Saudi Arabia

HQ region

Middle East

Offices4 records

Markets served

GTM type

B2B

Offering type

Digital Commerce or Content

Cost components

Personnel, Operations, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. B2B Marketplace Transactions: Revenue generated from transaction fees and margin on product sales through the Retailo marketplace platform. Retailers order products through the app and pay via cash on delivery, credit/debit card, bank transfer, or secured wallets.
2. Credit/Financing Services: Buy-now-pay-later program with Shariah-compliant terms. Credit limits assigned based on business size, historic performance, and repayment history. Interest-free credit terms.
3. Partner Brand Revenue Share: Revenue from brand partners who gain access to 50,000+ retailers through the platform, including data-driven warehousing and marketing services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Retailo operates a mobile-first B2B digital marketplace that enables SMB retailers and HORECA businesses across MENAP to browse, compare prices, and order 3,500+ SKUs from brand partners with next-day (24-hour) delivery. The platform combines e-commerce (Retailo App, HORECA Platform) with embedded fintech (Hisaab digital ledger, Retailo Wallet, Shariah-compliant buy-now-pay-later credit) to digitize traditional retail supply chains.

Product overview

Retailo Technologies operates a multi-product B2B digital distribution ecosystem across MENAP, comprising the core Retailo App (B2B marketplace for general retailers), the Hisaab App (digital ledger for bookkeeping and credit recovery), and the HORECA Platform (specialized B2B supply for Hotels, Restaurants, and Cafes). The portfolio also includes Retailo Wallet (balance management) and Credit Buy (buy-now-pay-later with Shariah-compliant terms). The company acquired DXBUY in 2022 to expand its HORECA capabilities in the UAE. The ecosystem is unified through shared account credentials across apps, enabling retailers and HORECA businesses to access inventory ordering, financial tracking, and credit facilities through a single platform.

Differentiator

Problem solved

Functional benefit

Brands

• Hisaab App: Easy digital ledger application that simplifies bookkeeping for business and personal use
• HORECA

Products and services

• Retailo App Mobile B2B marketplace app enabling SMB retailers across MENAP to browse thousands of products, compare prices, place orders, and receive next-day delivery. Includes 3,500+ SKUs across multiple brand partners, free 24-hour delivery, free returns on damaged/expired goods, and self-serve shop registration.
• Hisaab App Free digital ledger application for business and personal bookkeeping that automates balance calculations and sends SMS and WhatsApp reminders for faster cash/credit recovery (claimed 3x faster). Tracks lendings and borrowings for SMB retailers and other users.
• HORECA Platform B2B wholesale supply platform for Hotels, Restaurants, and Cafes across MENAP. Provides one-stop bulk inventory ordering, 24-hour delivery, Shariah-compliant credit buying, and a digital wallet for balance management across the HORECA sector.
• DXBUY UAE-based B2B eCommerce platform for the HORECA sector, acquired by Retailo in April 2022 to expand presence in the Middle Eastern hospitality supply market. Operates as a wholly owned subsidiary.

Quantifiable outcome

• 3x faster cash recovery for retailers using Hisaab
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability7 records

Feature4 records

Partnerships

One partnership is on record.

• DXBUYcoreStrategic or Co-development Partner · 22 April 2022Retailo acquired DXBUY, a UAE-based B2B eCommerce platform, to expand into the Middle Eastern HORECA sector. The acquisition targeted a sector projected to be worth $60 billion within five years. DXBUY's platform provided Retailo with established HORECA capabilities in the UAE.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MaxAB: Egypt and MENA-focused B2B marketplace connecting FMCG suppliers to small retailers with embedded financing. Closest direct peer to Retailo in terms of model (kirana-style SMB restocking), geography (MENAP), and fintech layer.
• Sary (SaryCart): Saudi Arabia-based B2B mobile marketplace for retailers to source groceries and FMCG from wholesalers. Direct competitor in Retailo's home market with overlapping SMB retailer customer base and similar assortment breadth.
• Tradeling: UAE-based B2B e-commerce marketplace serving businesses and HORECA with broad MENA sourcing. Direct competitor in the UAE HORECA segment where Retailo operates via DXBUY, and overlaps in B2B procurement catalog breadth.

Emerging players

• Buyut: Saudi-based B2B distribution startup targeting small retailers and HORECA in KSA. Emerging competitor with similar SMB/kirana thesis but more limited scale and assortment than Retailo.
• Foodics: Saudi-based restaurant/HORECA POS and operations platform serving SMEs and chains across MENA. Adjacent competitor in the HORECA vertical where Retailo/DXBUY operates; overlaps in HORECA SaaS procurement value chain rather than direct wholesale supply.
• Zid: Saudi e-commerce enablement platform providing merchants with storefront, payments, and logistics tooling. Adjacent infrastructure peer serving SMB merchants across MENAP; overlaps with Retailo in digitizing traditional trade rather than wholesale supply.

Regional players

• Udaan: India's largest B2B e-commerce platform connecting SMB retailers, wholesalers, and manufacturers across categories with embedded credit. Comparable emerging-market B2B marketplace with similar fintech-plus-marketplace model, though operating in India rather than MENAP.
• ShopUp: Bangladesh-based B2B commerce platform for SMB retailers with embedded financing (SME credit). Comparable business model and SMB focus, though focused on South Asia rather than MENAP.
• Ninjacart: India B2B agri-food supply chain platform moving produce from farmers/farmers to retailers and HORECA. Comparable supply-chain tech and SMB/HORECA delivery model, though India-focused and food-category-led.
• Jumbotail: India B2B marketplace and supply-chain platform for kirana retailers with embedded credit and logistics. Comparable SMB-retailer B2B marketplace + fintech model; India-focused, useful as a comparable for MENAP emerging-market unit economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/RetailoT
• YouTubeyoutube.com/c/Retailopak
• Facebookfacebook.com/retailopak
• LinkedInlinkedin.com/company/retailo-app
• Instagraminstagram.com/retailo_sa

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds6 records

Investors14 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Retailo Technologies