What Kredit does

Kredit is an Egyptian non-bank SME financing company incorporated as a private Egyptian joint stock company (شركة مساهمة مصرية) and headquartered in New Cairo (5th Settlement). Founded in 2023, the company operates under Financial Regulatory Authority (FRA) License No. 4 dated 25/05/2023 (issued under Law No. 141 of 2014) and is positioned as a specialized financing arm of GB Capital. The company extends credit facilities to Egyptian SMEs across five core products: Working Capital Finance (supplier payments and inventory financing), Fleet & Commercial Vehicle Finance, Sustainable Finance (renewable energy, energy efficiency, ESG-aligned projects), Medical Equipment Finance (diagnostic, surgical, dental), and Machinery Finance (manufacturing and industrial equipment). Facility sizes range from EGP 500,000 to EGP 30 million with tenors of 6 to 60 months and equal monthly installments.

Revenue is generated through interest and financing fees on extended credit facilities. Kredit uses a sales-led go-to-market model, with customer acquisition primarily through its website (kredit.com.eg), online loan application forms, a loan calculator tool, and direct phone/email channels (01013358008; [email protected]). Customer segments span commercial and trading businesses, manufacturing and industrial firms, transportation and logistics operators, healthcare providers, and eco-conscious businesses pursuing ESG initiatives. The company integrates with I-Score (Egyptian Credit Bureau) to register monthly installments and customer payment behavior, and uses the bureau for credit risk evaluation. No proprietary AI/ML underwriting models, named technological patents, or public API/platform infrastructure are disclosed in the available data.

Kredit operates as a subsidiary within the GB Corporation group—which includes GB Capital (parent), GB Corp, GB Auto, GB Logistics, GB Ventures, GB Academy, and the Gabbour Foundation. The group affiliation provides capital strength, ecosystem synergies (notably fleet finance with GB Auto), and corporate brand credibility. The board is composed of executives drawn from GB Capital and senior Egyptian banking and finance leaders (including a former SAIB Bank Chairman and Managing Director), and the company is actively hiring senior credit risk roles. Total disclosed funding to date is approximately $3.1M across two 2024 rounds led by Banque du Caire and National Bank of Egypt. Revenue, loan-book size, and profitability are not publicly disclosed.

Name

Kredit

Legal name

Kredit Small and Medium Enterprises Financing Company (شركة تمويل المشروعات الصغيرة والمتوسطة - كريدت)

Website

https://kredit.com.eg

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

51–100 employees

Short description

Kredit is an Egypt-based non-bank SME financing company that provides credit facilities (EGP 500K–30M, 6–60 month tenors) to small and medium-sized enterprises across working capital, fleet, sustainable, medical equipment, and machinery financing verticals.

Ownership category

akta.pro rank

Product category

SME Commercial Lending

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Finance Lessors (6172)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

Microloans & Working Capital Loans (FSAKAGAA), SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• SME financing
• Working capital finance
• Fleet vehicle finance
• Medical equipment finance
• Machinery financing

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. SME Financing and Lending: Kredit generates revenue through financing facilities extended to Small and Medium Enterprises in Egypt. The company offers various financing solutions including working capital, fleet/vehicle finance, sustainable finance, medical equipment finance, and machinery finance. Revenue is generated through interest and financing fees on the extended credit facilities, with repayment in equal monthly installments over tenors ranging from 6 to 60 months.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Kredit provides dedicated financing facilities to Small and Medium Enterprises in Egypt, offering five specialized products: Working Capital Finance, Fleet & Commercial Vehicle Finance, Sustainable Finance, Medical Equipment Finance, and Machinery Finance. Facilities range from EGP 500,000 to EGP 30 million with tenors of 6 to 60 months, repaid through equal monthly installments. The company operates as a non-banking financial services provider licensed by Egypt's Financial Regulatory Authority (FRA) and structured as a subsidiary of GB Capital within the GB Corporation group.

Product overview

Kredit is an SME financing company offering a portfolio of five specialized financing products. The core offerings include Working Capital Finance (for inventory and supply chain needs), Fleet & Commercial Vehicle Finance (for business mobility), Sustainable Finance (for green/renewable energy projects), Medical Equipment Finance (for healthcare providers), and Machinery Finance (for manufacturing and industrial businesses). All products are delivered through a unified platform with flexible conditions, fast processing, and appropriate guarantees, leveraging technology for accessibility. The company operates as one of the specialized financing arms of GB Capital, targeting Egyptian SMEs with financing amounts ranging from EGP 500,000 to EGP 30 million, with tenors from 6 to 60 months.

Differentiator

Problem solved

Functional benefit

Products and services

• Working Capital Finance Financing solution enabling businesses to access essential inventory and materials on time without constraining cashflow. Kredit pays suppliers directly, helping borrowers avoid delays, improve negotiation leverage, and strengthen supply chain relationships for continuity and operational efficiency. Targeted at SMEs across commercial and trading sectors.
• Fleet & Commercial Vehicle Finance Financing solution that supports reliable mobility for business growth in logistics, distribution, transportation, and field operations. Allows SMEs to acquire cars, vans, trucks, or full fleets through manageable monthly installments. Targeted at transportation, logistics, delivery, and field-service businesses.
• Sustainable Finance Financing solution enabling businesses to invest in renewable energy systems including solar panels and energy storage, alongside eco-friendly initiatives such as energy efficiency upgrades, waste reduction, and cleaner production methods. Targeted at SMEs in agriculture, manufacturing, commercial, and retail sectors pursuing ESG-aligned sustainability outcomes.
• Medical Equipment Finance Tailored financing solution for healthcare providers to access diagnostic tools, surgical units, and dental equipment without compromising financial cashflow. Helps medical professionals modernize their technology. Targeted at clinics, hospitals, and healthcare professionals seeking to expand, upgrade, or modernize equipment.
• Machinery Finance Financing solution helping manufacturers and industrial businesses access essential machinery and production tools without straining cashflow. Used to boost productivity and scale operations through financing of new or pre-owned machinery. Targeted at manufacturing, packaging, agriculture, and light-industry businesses needing machinery for core operations or expansion.

Quantifiable outcome

• Fast approval process for SME financing
• +2 more outcomes

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• GB AutocoreStrategic or Co-development PartnerAffiliate company within the GB Corporation group. Given Kredit's fleet and commercial vehicle financing services, there is potential for strategic collaboration on vehicle financing solutions.
• GB LogisticsminorStrategic or Co-development PartnerAffiliate company within the GB Corporation group. Potential synergies with Kredit's working capital and supply chain financing services for logistics operations.
• GB AcademyminorOthersAffiliate within GB Corporation focused on training and development. Potential for employee training and capability development for Kredit staff.
• Gabbour FoundationminorOthersCorporate foundation under the GB Corporation group focused on social responsibility and community development initiatives.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Tanmeyah: Egypt's largest microfinance institution and a subsidiary of EFG Hermes, providing small-business and consumer credit with rapid digital onboarding — directly comparable to Kredit's SME installment lending model in Egypt.
• MNT-Halan: Egyptian fintech serving MSMEs and consumers with working-capital loans, BNPL, and payments — operates in the same digital-first SME credit niche and competes directly for Egyptian SME borrowers.
• valU: BNPL and consumer finance platform by EFG Hermes in Egypt offering installment-based financing for retail and business purchases — closely mirrors Kredit's sales-financing and installment-based credit model.
• Contact Financial Holding: Egyptian non-bank financial services holding offering consumer and SME credit including auto and equipment financing — competes in the same multi-product Egyptian installment-credit market as Kredit.
• EFG Finance Holding: Holding company for EFG Hermes' non-bank finance arm (including valU and Tanmeyah), operating in consumer/SME finance in Egypt — a portfolio peer with comparable multi-product credit strategy.
• AMAN Microfinance: Egyptian microfinance provider focused on very small and micro enterprises — comparable to Kredit's lower-ticket SME lending arm and competes for the same underserved borrower segment.

Emerging players

• Lucky One (Lucky): Egyptian consumer and SME fintech offering instant digital credit lines — competes with Kredit on speed and digital UX for SME working-capital draws, with overlapping customer base.

Broad incumbents

• Banque Misr: One of Egypt's largest state-owned commercial banks with a substantial SME lending book — competes broadly with Kredit in SME credit but with significantly larger deposit-funded balance sheet and broader product suite.
• Commercial International Bank (CIB) Egypt: Egypt's largest private-sector bank with extensive SME and middle-market lending operations — main bank incumbent against which Kredit's specialized non-bank offering competes.
• AlexBank: Egyptian private bank with established SME and consumer finance operations — incumbents in the same SME financing corridors where Kredit deploys its specialized offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/kredit-for-smes-finance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds2 records

Investors2 records

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

M&A

Investments

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

Frequently asked questions about Kredit