Hishabee

What Hishabee does

Hishabee is a Bangladesh-based fintech and SMB software company that operates a mobile-first business management platform for micro and small retailers, including kirana shops, pharmacies, groceries, electronics stores, fashion retailers, dealers/wholesalers, and hardware stores. The Android application, supplemented by a web version, delivers an all-in-one Business OS covering sales tracking, inventory management with expiry alerts, due collection with automated SMS/WhatsApp reminders, expense logging, profit and loss reporting, staff access controls, and cloud backup. The platform is built for low-end Android hardware with an offline-first architecture, full Bangla language localization, and English option, and is distributed primarily through the Google Play Store with self-serve onboarding, a 7-day free trial, and 24/7 WhatsApp-based support.

The company's distinctive commercial layer is a Shariah-compliant (Murabaha) inventory financing product offered in partnership with Prime Bank, a Bangladesh Bank-licensed scheduled commercial bank. Merchants can apply for up to ৳50,000 in same-day approved credit using only a National ID; Prime Bank purchases the inventory and sells it to the merchant at an agreed markup, with no interest charged and every transaction audited under the Bangladesh Bank digital lending framework and BFIU guidelines. Hishabee monetizes through three streams: freemium app subscriptions for premium features, Murabaha markup on inventory loans, and referral/affiliate commissions via its Barti Ayy (Extra Income / বাড়তি আয়) module. Additional products include the Hishabee Online Shop e-commerce storefront builder and a Hishabee Apps Store for ecosystem extensions. The company is headquartered in Dhaka, was founded in 2021, and serves over 1 million active merchants.

Name

Hishabee

Legal name

Hishabee

Website

https://hishabee.io

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Hishabee is a Bangladesh-based mobile business management platform serving over 1 million micro and small retailers with an all-in-one Business OS, Bangla-localized offline-first Android app, and Shariah-compliant Murabaha inventory finance of up to ৳50,000 backed by Prime Bank.

Ownership category

akta.pro rank

Product category

Retail Management Software

NAICS

All Other Specialty Food Retailers (445298), Grocery and Convenience Retailers (4451)

SIC

Retail-Misc General Merchandise Stores (5399)

akta.pro primary industry

Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH)

akta.pro secondary industry

Islamic SME & Commercial Banking (FSABAGAB)

Keywords

• Mobile business management
• Inventory finance
• Digital bookkeeping
• Shariah-compliant lending
• Merchant POS software

Headquarters

HQ city

Dhaka

HQ country

Bangladesh

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. App Subscriptions (Premium Features): Freemium model with basic features free and premium features paid. 7-day free trial for full Business Suite access.
2. Inventory Finance (Murabaha Markup): Revenue generated through Murabaha structure where Prime Bank buys goods and sells to merchant at agreed markup. Markup is fixed and transparent, halal compliant.
3. Barti Ayy (Extra Income Referrals): Merchants earn commission by referring products (electronics, cosmetics, healthcare) to customers without holding inventory. Commission income for merchants, referral fees from partner products.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Hishabee operates a freemium Android and web business management app for micro and small retailers in Bangladesh, combining sales tracking, inventory management, expense logging, due collection with automated reminders, and profit-and-loss reporting in Bangla and English with full offline capability. Layered on top, it offers Shariah-compliant Murabaha inventory financing up to ৳50,000 funded by Prime Bank, plus an online shop builder and an Extra Income (Barti Ayy) referral service, serving 1M+ merchants.

Differentiator

Problem solved

Functional benefit

Brands

• Barti Ayy (বাড়তি আয়): Extra income feature within Hishabee app allowing merchants to earn commission through mobile recharge, product referrals, and doctor appointments
• Hishabee Online Shop
• Hishabee Apps Store

Products and services

• Hishabee Business Management App Freemium Android and web mobile application for micro and small retailers in Bangladesh, providing sales tracking, inventory management with expiry alerts, expense logging, due collection with automatic SMS and WhatsApp reminders, staff access controls, profit/loss reporting, cloud backup, and full Bangla/English localization with offline functionality.
• Inventory Finance (Murabaha) Shariah-compliant inventory financing product funded by Prime Bank, offering up to ৳50,000 in credit for purchasing stock with same-day approval using only a National ID. Prime Bank pays the supplier directly and the merchant repays from sales; the structure is Murabaha-based (no interest/Riba) and regulated under the Bangladesh Bank digital lending framework.
• Hishabee Online Shop One-click digital storefront creation linked to the merchant's existing inventory, with custom domain support, Android app builder, order management, and the ability to sell nationwide from inside Hishabee.
• Barti Ayy (Extra Income) Referral and digital services feature that lets merchants earn commission by offering mobile recharge, bill payment, product referrals, and doctor appointment bookings through their existing shop without holding additional inventory or capital.
• Hishabee Apps Store Marketplace within the Hishabee ecosystem for discovering additional business applications and extensions that integrate with merchants' existing Hishabee business data.

Quantifiable outcome

• 65.74% of users are underbanked retailers with no prior access to formal finance
• +5 more outcomes

Named customers7 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

Integration4 records

Feature7 records

Partnerships

Five partnerships are on record, tiered minor.

• Biniyog BriddhiminorStrategic or Co-development PartnerImpact investment program partner. Collaboration to reach merchants in underserved communities.
• Roots of ImpactminorStrategic or Co-development PartnerImpact investor partner working to build impact together with Hishabee for underserved entrepreneurs.
• Sajida FoundationminorStrategic or Co-development PartnerSocial enterprise foundation partner. Collaboration for reaching women-led underbanked retailers and supporting financial inclusion.
• LightCastle PartnersminorStrategic or Co-development PartnerBusiness consulting and analytics firm partner for impact measurement and strategic support.
• BRAC Uddokta Tara ProgramminorStrategic or Co-development PartnerBRAC Bank's entrepreneurship development program partnership for reaching aspiring and existing entrepreneurs.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• bKash: Bangladesh's largest mobile financial services platform serving millions of unbanked and underbanked users including small merchants. Operates as a bank-partnered model similar to Hishabee's Prime Bank structure, with adjacent SMB tools and merchant finance offerings.
• Nagad: Bangladesh Post Office-backed mobile financial services platform competing with bKash for underbanked users and merchants. Provides payments, cash-in/out, and merchant-facing services in the same regulatory and customer context as Hishabee.

Emerging players

• Branch International: Mobile-first lending platform serving underbanked individuals and small merchants in emerging markets across Africa and Asia. Comparable data-driven, thin-file underwriting approach to Hishabee's Murabaha product for invisible borrowers.
• OKCredit: India-based digital ledger and credit enablement platform for small merchants and kirana stores, offering bookkeeping, payment reminders, and lending partnerships. Closest analog to Hishabee's Business OS playbook in a neighboring South Asian market.
• Khatabook: India's leading digital bahi-khata app for small merchants, providing bookkeeping, customer credit tracking, and integrated lending. Direct product analog to Hishabee's Business OS for the South Asian micro-merchant segment.
• Dukaan: India-based platform enabling small merchants to set up online stores and digitize inventory/sales, with adjacent financing partnerships. Comparable to Hishabee's Online Shop plus Business OS combination for SMB digitization.
• Mswipe: India-based POS and merchant services platform offering card acceptance, invoicing, and working-capital products to small merchants. Closest comparable to Hishabee's combined POS + lending offering in a similar South Asian SMB context.
• Tala: Mobile lending platform using alternative data to underwrite underbanked customers in emerging markets including Southeast Asia. Comparable thin-file, mobile-first underwriting thesis to Hishabee's approach for underbanked merchants.

Regional players

• Aye Finance: India-based NBFC providing working-capital loans to small and micro enterprises, including kirana and informal retailers. Comparable target segment and ticket-size profile to Hishabee's Murabaha inventory finance product, though operating in India rather than Bangladesh.
• Funding Societies | Modalku: Largest SME digital financing platform in Southeast Asia, providing working-capital loans to small businesses including retailers. Comparable merchant-lending DNA and embedded fintech distribution model, though focused on SEA rather than Bangladesh.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/hishabee.bd

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors3 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 Hishabee