Tasaheel

What Tasaheel does

Tasaheel for Financing S.A.E. is an Egyptian non-bank finance company and the principal MSME lending arm of MNT-Halan, one of Egypt's largest fintech groups. The company serves micro-enterprises, small and medium enterprises, and individual entrepreneurs across commercial, industrial, service, and agricultural sectors with a product ladder spanning four tiers: Digital Rapid Financing (EGP 50–3,000, up to 90 days, same-day disbursement), Micro-Enterprise Financing (EGP 3,000–292,000, 3-day disbursement, 6–48 month terms), SME Financing (EGP 300,000–15 million, 1-week disbursement, up to 48-month terms), and Sharia-compliant Islamic Financing (EGP 5,000–15 million with profit-sharing). Sub-products — Leasing Financing, Product Financing, and Seasonal Financing — extend reach into asset acquisition, supply-chain facilitation, and agriculture.

The company is built on a hybrid distribution model. The primary channel is a 800+ branch physical network staffed by ~8,000 employees across all Egyptian governorates, supplemented by self-serve digital origination through the Halay mobile application and website, telephone-based inside sales via hotline 16134, and third-party installment collection through Fawry kiosks (service code 7125). Digital product workflows emphasize minimal documentation — typically ID plus guarantor — and rapid disbursement (24 hours to one week), positioning Tasaheel as a faster, simpler alternative to Egyptian banks for underserved MSME borrowers.

Tasaheel's revenue model is two-fold: (1) interest charges on conventional financing and pre-agreed profit-sharing ratios on Islamic financing, collected as monthly installments over 3–48 month periods across the loan portfolio; and (2) capital recycling via portfolio securitization through Capital Securitization Company, which has executed four issuances including Egypt's first SME-backed securitization (EGP 4.7 billion, June 2025) and a fourth issuance of EGP 3.52 billion backed by an EGP 4.27 billion portfolio (January 2026). Tasaheel is supervised by Egypt's Financial Regulatory Authority and, for Islamic products, by a dedicated Sharia Committee.

Name

Tasaheel

Legal name

Tasaheel for Financing S.A.E.

Website

https://tasaheelfinance.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

10,001+ employees

Short description

Tasaheel (تساهيل) is an Egyptian non-bank finance company and the MSME lending arm of MNT-Halan, serving micro, small, and medium enterprises across Egypt through 800+ branches, the Halay mobile app, and Fawry-integrated collections, with ticket sizes from EGP 50 to EGP 15 million.

Ownership category

akta.pro rank

Product category

Non-Bank SME Financing

NAICS

Finance and Insurance (52)

SIC

Short-Term Business Credit Institutions (6153), Asset-Backed Securities (6189)

akta.pro primary industry

Islamic SME & Commercial Banking (FSABAGAB)

akta.pro secondary industry

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

Keywords

• Non-bank financing
• Microenterprise lending
• SME financing
• Islamic finance
• Consumer finance Egypt

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financing Interest and Fees: Tasaheel earns revenue through interest charges on financing (conventional) and profit-sharing ratios on Islamic financing (Musharaka/Murabaha). Financing programs range from quick digital loans (50-3,000 EGP) to SME financing (up to 15 million EGP). Revenue is generated through installments collected over financing periods of 3-48 months.
2. Securitization Transactions: Tasaheel securitizes its financing portfolios to raise capital. Completed Egypt's first SME-backed securitization (EGP 4.7 billion, June 2025) and fourth securitization issuance (EGP 3.52 billion, January 2026). Capital Securitization Company purchases portfolios and issues bonds, with Tasaheel as the originator.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Tasaheel for Financing S.A.E. is an Egyptian non-bank finance company providing financing to micro, small, and medium enterprises (MSMEs) and individual entrepreneurs across commercial, industrial, service, and agricultural sectors. The portfolio spans quick digital micro-financing (EGP 50-3,000), micro-enterprise loans (EGP 3,000-292,000), SME financing (EGP 300,000-15 million), and Sharia-compliant Islamic financing, with repayment periods from 3 to 48 months. Distribution combines 800+ physical branches nationwide, the Halay mobile app, website, hotline (16134), and Fawry payment kiosks.

Product overview

Tasaheel (تساهيل) is an Egyptian non-bank finance company and part of MNT-Halan, serving micro-enterprises, small and medium enterprises (SMEs), and individual entrepreneurs across Egypt through more than 800 branches. The product portfolio centers on four core financing programs: Digital Rapid Financing (EGP 50–3,000), Micro-Enterprise Financing (EGP 3,000–292,000), SME Financing (EGP 300,000–15 million), and Islamic/Sharia-compliant Financing (EGP 5,000–15 million). These are complemented by three specialized sub-products — Leasing Financing, Product Financing, and Seasonal Financing — which extend the platform's reach into asset acquisition, supply chain facilitation, and agriculture. All programs are accessible via the company's own mobile app (Halan), a nationwide branch network, the website, and a hotline (16134), with disbursement speeds ranging from same-day to one week.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital Rapid Financing (التمويل الرقمي السريع) Instant digital micro-financing from EGP 50 to EGP 3,000, disbursed within one day via the Halay app. Repayment terms up to 90 days; no paperwork or guarantor required. Targeted at individuals wanting to set up or run small projects.
• Micro-Enterprise Financing (تمويل المشروعات متناهية الصغر) Financing for micro-enterprises with capital up to EGP 1 million. Loan size EGP 3,000 to EGP 292,000, disbursed within 3 days with repayment of 6 to 48 months. Suitable for commercial, industrial, service, and agricultural activities; conventional and Islamic options available.
• SME Financing (تمويل المشاريع الصغيرة والمتوسطة) Financing for SMEs with annual revenue or capital up to EGP 20 million. Loan size EGP 300,000 to EGP 15 million, disbursed within one week with flexible repayment up to 48 months. Requires IBAN, project budget, and 6-month bank statements.
• Islamic Financing (التمويل الإسلامي) Sharia-compliant financing without interest (no riba), based on pre-agreed profit-sharing ratios (Musharaka/Murabaha). Covers micro-enterprises (EGP 5,000-292,000) and SMEs (EGP 300,000-15 million). Supervised by Egypt's Financial Regulatory Authority (FRA) and an internal Sharia compliance committee.
• Leasing Financing (التأجير التمويلي) Financing for acquisition of production assets used in business operations, enabling businesses to obtain equipment and machinery through lease-to-own arrangements.
• Product Financing (تمويل المنتجات) Acts as an intermediary between merchants and suppliers to facilitate payment processes, helping buyers acquire goods while enabling suppliers to receive timely payment.
• Seasonal Financing (التمويل الموسمي) Specialized financing tailored for agricultural and seasonal businesses, offering funding amounts and repayment schedules aligned with the cyclical nature of seasonal operations.

Quantifiable outcome

• Financing disbursed within 24 hours for digital products
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and major.

• MNT-HalancoreStrategic or Co-development Partner · 25 June 2025Tasaheel is a subsidiary/part of MNT-Halan, Egypt's leading fintech company. MNT-Halan's rapid growth (182% in consumer finance sector) benefits Tasaheel's market position and capital base.
• FawrymajorChannel Partner/ Reseller/ Distributor · 1 January 2025Fawry payment kiosks enable Tasaheel customers to pay installments using service code 7125. Fawry is Egypt's leading payment service provider with nationwide kiosk network.
• Halay (Mobile App Ecosystem)coreTechnology or Integration · 1 January 2025Halay is the mobile application platform through which Tasaheel offers digital financing products including quick digital financing (50-3,000 EGP) with same-day approval and fund disbursement.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• MNT-Halan: Parent company of Tasaheel and one of Egypt's largest fintech groups. Comparable as the broader operating ecosystem that encompasses payments, lending, and consumer finance — overlapping with Tasaheel's financing products and serving similar customer segments at a wider portfolio level.
• Fawry: Egypt's leading electronic payments network and a Tasaheel payment-collection partner via service code 7125. Comparable as a broad Egyptian fintech incumbent whose payment rails and agent network overlap with the MSME financial-services value chain Tasaheel serves.
• Banque Misr: One of Egypt's largest state-owned banks with significant SME and microfinance programs. Comparable to Tasaheel as a major Egyptian MSME credit provider, though operating from a deposit-funded, full-service banking platform.
• Commercial International Bank (CIB) Egypt: Egypt's largest private-sector bank and a major SME and retail lender. Comparable to Tasaheel as a competitor in the Egyptian SME financing market, though operating as a depository institution with a broader product set and stronger balance sheet.

Direct peers

• Mylo: Egyptian fintech super-app providing savings, credit, and personal-finance tools. Comparable to Tasaheel as a competing Egyptian consumer/SME finance platform targeting similar mass-market customers with digital credit products.
• valU: Egyptian BNPL and consumer-finance fintech and a direct MNT-Halan competitor. Comparable because it offers installment-based financing and credit products to Egyptian consumers and SMEs through a digital-led model, overlapping directly with Tasaheel's digital rapid financing and SME product tiers.
• Lucky: Egyptian consumer-finance company offering installment lending and credit products. Comparable to Tasaheel as a non-bank lender targeting similar Egyptian mass-market and SME borrowers with similar product structures.
• Contact (Egypt): Egyptian consumer-finance and credit-card provider offering installment and personal lending products. Comparable to Tasaheel as a non-bank consumer and SME financier operating in the same Egyptian regulatory and customer environment.

Emerging players

• Khazna: Egyptian and MENA-focused consumer-finance and BNPL fintech offering credit to underbanked customers. Comparable to Tasaheel's lower-ticket digital financing in customer segment and product type, though at a smaller scale and more digital-led.
• NowPay: MENA-based earned-wage-access and payroll-linked finance platform with Egypt operations. Comparable to Tasaheel as a digital lender providing short-term, small-ticket credit to salaried and SME customers, overlapping with the micro/quick financing use case.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/Tasaheel-تساهيلللتمويل
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds8 records

Investors6 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 Tasaheel