Tanmeyah

What Tanmeyah does

Tanmeyah is one of Egypt's largest non-bank microfinance providers, founded in 2009 and operating as a wholly-owned subsidiary of EFG Holding since the 2016 acquisition. The company extends small-ticket credit, insurance, and digital payment services to underbanked micro and very small enterprises, individual entrepreneurs, women-led businesses, and youth, primarily through a branch-led distribution model that spans more than 400 locations across all 25 Egyptian governorates and is supported by approximately 6,000 employees. Since inception it has issued approximately 3 million financing facilities and reports a portfolio outstanding of EGP 4.6 billion (FY2023), serving roughly 30,000 new clients per month.

The core product set is segmented by borrower profile: El Kaseeb provides micro-enterprise loans up to EGP 75,000 over 24 months; El Kabeer offers very small enterprise financing up to EGP 292,000; Fabrica finances vehicle repair and maintenance up to EGP 150,000; El Doctor targets medical professionals up to EGP 292,000; and El Tayar finances commercial vehicles and motorcycles up to EGP 292,000. Repayment is monthly across the portfolio. The product stack is complemented by an insurance protection package (personal accident, business, funeral, cancer, home, livestock, medical) distributed through GIG Egypt, and a mobile application for digital loan management and electronic payments.

The technology layer combines in-branch origination with a digital platform built around eKYC, OCR document scanning, liveness verification, and electronic signing, most recently consolidated through the Vlens technology partnership. Revenue is generated primarily through interest income on the microfinance loan book, with ancillary commission and fee income from insurance distribution and digital payment services. Growth capital has come from EBRD (USD 5 million in February 2024) and Banque Misr (EGP 500 million in July 2024), and the company has expanded into adjacent financial services via the 2022 acquisition of Fatura and partnerships with TotalEnergies Marketing Egypt and the Education Above All Foundation. Certifications including ISO 27001, PCI DSS, and LEED Platinum reflect a focus on information security, payment compliance, and operational sustainability.

Name

Tanmeyah

Legal name

Tanmeyah

Website

http://www.tanmeyah.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Tanmeyah is Egypt's leading non-bank microfinance provider, offering segmented credit, insurance, and digital payment services to underserved micro-entrepreneurs, women, and youth through 400+ branches across 25 governorates and a growing mobile platform.

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Finance and Insurance (52)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD)

Keywords

• Microfinance lending
• Small business financing
• Consumer micro loans
• Financial inclusion services
• Micro enterprise credit

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Microfinance Lending: Interest income from micro and small enterprise loans provided to entrepreneurs and underserved populations across Egypt
2. Insurance Services: Insurance products offered to microfinance customers through partnerships, providing protection and generating commission revenue
3. Digital Payment Services: Digital payment infrastructure enabling transactions, collections, and disbursements for customers

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Tanmeyah provides microfinance and small enterprise financing solutions in Egypt through five specialized loan products (El Kaseeb, El Kabeer, Fabrica, El Doctor, El Tayar) complemented by insurance protection packages. These offerings are distributed through a network of 400+ branches across 25 governorates, supplemented by a mobile application, digital onboarding (eKYC, OCR, electronic signing), and digital payment tools, all targeting underserved micro-entrepreneurs and very small businesses.

Product overview

Tanmeyah is a microfinance platform offering a unified product portfolio centered around financing solutions with integrated add-on services. The core offering consists of five specialized financing products: El Kaseeb (micro-enterprise loans up to 75,000 EGP), El Kabeer (very small enterprise loans up to 292,000 EGP), Fabrica (vehicle repair financing up to 150,000 EGP), El Doctor (medical professional financing up to 292,000 EGP), and El Tayar (commercial vehicle/motorcycle financing up to 292,000 EGP). These are complemented by insurance protection packages (accident, business, funeral, cancer, home, livestock, medical) and a mobile application platform for digital access, all delivered through a network of 400+ branches across 25 Egyptian governorates.

Differentiator

Problem solved

Functional benefit

Brands

• El Kaseeb Financing: Micro-enterprise financing product for small business owners and entrepreneurs up to 75,000 EGP
• El Kabeer Financing
• Fabrica Financing
• El Doctor Financing
• El Tayar Financing
• Insurance Protection Packages

Products and services

• El Kaseeb Financing (تمويل الكسيب) Micro-enterprise financing providing loans up to 75,000 EGP for working capital to household micro-businesses owned by low-income individuals without commercial registration, with repayment periods up to 24 months.
• El Kabeer Financing (تمويل الكبير) Very small enterprise financing providing immediate liquidity up to 292,000 EGP for working capital to improve cash flow cycles for small businesses with commercial registration.
• Fabrica Financing (تمويل فابريكا) Vehicle repair and maintenance financing for commercial and personal vehicles including taxis, vans, microbuses, tuktuks, and transport vehicles up to 150,000 EGP with repayment up to 36 months.
• El Doctor Financing (تمويل الدكتور) Medical professional financing for doctors, pharmacists, and healthcare business owners to grow their medical practices including clinics, pharmacies, and medical service centers up to 292,000 EGP.
• El Tayar Financing (تمويل الطيار) Commercial vehicle and motorcycle financing for purchasing motorcycles, tuktuks, and vehicles from certified partners like Ghabbour, TVS, and Bullman, with financing up to 292,000 EGP without sale restriction or down payment.
• Insurance Protection Packages (وثائق التأمين) Comprehensive insurance products in partnership with GIG Egypt covering personal accident insurance, business insurance, funeral expense coverage, cancer insurance, home protection, livestock mortality, and medical insurance for microfinance clients.
• Tanmeyah Mobile Application Digital platform enabling customers to access financing services, locate branches, communicate with staff, and manage their accounts through a mobile app with electronic payment capabilities, including integrated eKYC, OCR, liveness checks, and electronic signing.

Quantifiable outcome

• 30,000+ new clients served monthly
• +4 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• VlenscoreTechnology or IntegrationTechnology partnership for digital transformation initiatives, supporting Tanmeyah's digital lending platform and process automation.
• Amman HoldingminorGTM or Marketing PartnerPartnership for digital channels and marketing collaboration to expand reach in specific markets.
• TotalEnergies Marketing EgyptcoreStrategic or Co-development PartnerPartnership to provide financing solutions for ride-hailing drivers, specifically targeting transportation workers with El Tayar financing product.
• eHealth and eAswaqminorStrategic or Co-development PartnerPartnership for digital transformation initiatives serving healthcare providers and related businesses.
• Education Above All FoundationminorStrategic or Co-development PartnerPartnership supporting Youth Self-Employment Initiative to provide financing and support to young entrepreneurs.
• COFICERT FrancecoreOthersCertification partnership for Anti-Money Laundering (AML) compliance, providing professional certification and training for AML procedures.
• GEG (insurance partner)coreStrategic or Co-development PartnerInsurance partner providing protection products and services to microfinance customers as part of the lending offering.
• Zewail City of Science and TechnologyminorStrategic or Co-development PartnerPartnership providing scholarships and educational support, targeting youth development and talent pipeline.
• Egyptian Microfinance FederationminorStrategic or Co-development PartnerIndustry association sponsorship for sector development and networking within the Egyptian microfinance ecosystem.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• MNT-Halan: Egypt's largest microfinance and fintech platform serving underbanked individuals and small businesses with lending, payments, and e-commerce. Directly competes with Tanmeyah in Egyptian micro-lending and has raised $400M+, making it the most prominent direct competitor.
• Khazna: Egyptian lending fintech providing financial services to the underbanked through a mobile-first platform. Directly competes with Tanmeyah in serving micro-entrepreneurs and salaried employees with small-ticket loans.
• Lucky: Egyptian consumer lending and microfinance provider serving low-income borrowers with installment loans and financial inclusion products. Overlaps with Tanmeyah's customer base and product mix.
• FINCA Microfinance: International microfinance institution with active Egypt operations providing small-ticket loans to micro-entrepreneurs. Directly competes with Tanmeyah's core microenterprise lending offering in Egypt.
• VisionFund Egypt: Microfinance arm of World Vision operating in Egypt to provide small loans to low-income entrepreneurs. Directly comparable in mission, customer segment, and product set to Tanmeyah.

Regional players

• Tamweelcom: Jordan's leading microfinance company providing loans and financial services to underserved entrepreneurs. Operates a similar microenterprise lending model in a neighboring MENA market, making it a strong regional comparable.
• ABLE (Applied Basics for Learning & Empowerment): Jordanian microfinance institution providing loans and financial inclusion services to underserved communities. Closely parallels Tanmeyah's microenterprise model in a comparable regional market.
• Al-Amal Microfinance: Yemen-based microfinance institution providing small-ticket loans to low-income entrepreneurs. Regional MENA peer operating a comparable microenterprise lending model under similar economic conditions.

Broad incumbents

• Banque Misr Microfinance: The microfinance arm of Banque Misr, one of Egypt's largest state-owned banks. Overlaps with Tanmeyah's MSME lending market but as part of a much broader commercial banking franchise and a major debt funder of Tanmeyah itself.
• Bank of Alexandria (CIB subsidiary): Egyptian commercial bank with MSME and small business lending products. Overlaps with Tanmeyah's served market from a broader banking franchise perspective, providing a public incumbent benchmark.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A1 record

Investments1 record

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

Frequently asked questions about Tanmeyah