What Finneva does

Finneva is a DFSA-regulated B2B working capital finance firm headquartered in the Dubai International Financial Centre (DIFC), United Arab Emirates, that provides digital financing solutions to small and medium enterprises and corporates across the UAE and the wider MENA region. The company operates under the Finneva Holdings group and was rebranded in 2024 from its former identity MeCred (DIFC) Ltd; its regulated entity is Finneva Financial Services (DIFC) Limited, with a technology arm in Finneva Information Technology LLC.

Its core offering is a unified product suite delivered through a proprietary cloud-native SaaS+ platform covering digital onboarding, credit decisioning, payment disbursements, repayment collections, real-time portfolio analytics, and audit trailing. Built on this platform are six financing products — Channel Finance, Supplier Finance, Receivable Finance, Short Term Loans, Invoice/Cheque Discounting, and POS Finance, plus Factoring — designed to address working capital mismatches for SMEs and corporates in Healthcare, Manufacturing, Education, FMCG, and Digital Enterprises. Complementing the lending book, the Finneva Credit Fund (Finneva Credit Fund Open Ended PCC Limited) is a DFSA-regulated investment vehicle that provides institutional investors and banks with diversified, professionally managed exposure to UAE SME credit.

Finneva earns revenue primarily through transaction fees, interest spreads, and fund management fees on its SME financing book and on assets structured for institutional capital partners. The go-to-market combines a sales-led digital channel — a company website with online application CTAs targeting UAE SMEs and corporates — with enterprise field sales engagement for institutional investors and banks under DFSA Professional Client and Market Counterparty rules. Headcount is reported at 11–50 employees, with executive leadership comprising Managing Director & SEO Vikas Jha, COO Ramesh Guhaprasad, CPTO Raman Taneja, and CRO Saurabh Gupta. No external funding rounds, revenue figures, or named customer logos are publicly disclosed in the input data.

Name

Finneva

Legal name

Finneva Financial Services (DIFC) Limited

Website

https://finneva.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Finneva is a DFSA-regulated B2B working capital finance firm in DIFC, Dubai, providing digital channel, supplier, and receivable finance products to UAE and MENA SMEs and corporates via a proprietary SaaS+ platform and a regulated institutional credit fund.

Ownership category

akta.pro rank

Product category

Working Capital Finance

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industries

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), SME Term Loans & Growth Capital (FSAKAGAB), P2P Small Business / SME Marketplace Lending (FSAKAHAC)

Keywords

• Working capital finance
• SME trade financing
• Supply chain finance
• Receivables financing
• Institutional credit fund

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

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. Working Capital Financing: Finneva provides various receivables and payables financing solutions including Channel Finance, Supplier Finance, Receivable Finance, Invoice/Cheque Discounting, POS Finance, and Short-term Loans. Revenue is generated through interest income and fees on financing provided to SMEs and corporates, addressing working capital mismatches and enabling faster cash conversion.
2. Investment Fund Management: Finneva enables institutional investors and banks to participate in structured, professionally managed SME credit opportunities through the Finneva Credit Fund. The company earns management fees and performance-related income from structuring portfolios across sectors and asset types, providing investors with diversified trade finance exposure.
3. Supply Chain Finance: Ecosystem financing solutions for corporates, including Channel Finance (funding distributors and partners) and Supplier Finance (early payments for suppliers), generating fees from facilitating financing within supply chain ecosystems.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

Finneva is a DFSA-regulated B2B working-capital finance firm that provides SMEs and corporates in the UAE and MENA region with digital, structured financing solutions such as Channel Finance, Supplier Finance, Receivable Finance, Invoice/Cheque Discounting, POS Finance, Short-Term Loans, and Factoring, delivered through a proprietary cloud-native SaaS+ platform. It also operates the Finneva Credit Fund (Open Ended PCC Limited) to give institutional investors and banks professionally managed, asset-backed exposure to SME credit.

Product overview

Finneva operates as a next-generation B2B working-capital finance firm offering a unified platform with multiple financing products and an investment fund. The core offering is the proprietary Finneva SaaS+ Platform, a cloud-native digital platform that orchestrates end-to-end financing workflows. Built on this platform are six financing products: Channel Finance, Supplier Finance, Receivable Finance, Short Term Loan, Invoice/Cheque Discounting, and POS Finance—all designed to address working capital mismatches for SMEs and corporates in Healthcare, Manufacturing, Education, FMCG, and Digital Enterprises sectors. Complementing the financing solutions is the Finneva Credit Fund, a DFSA-regulated investment vehicle providing institutional investors and banks access to professionally managed SME credit opportunities through structured, diversified portfolios.

Differentiator

Problem solved

Functional benefit

Products and services

• Channel Finance Working-capital financing solution that enables businesses to fund their distributors and partners, improving cash flow across the distribution channel. Aimed at corporates seeking to extend liquidity through their distribution ecosystem.
• Supplier Finance Early payment solution for suppliers that smooths cash flow for buyers while maintaining supplier liquidity. Offered to corporates that want to support suppliers with earlier payments without taking on additional balance-sheet debt.
• Receivable Finance Converts outstanding invoices into immediate cash, providing liquidity against approved receivables. Targeted at SMEs and corporates that need to accelerate cash conversion on unpaid invoices.
• Short Term Loan Short-term credit facility designed to optimize payment terms and liquidity for business operations. Used by SMEs and corporates to address interim working-capital needs.
• Invoice/Cheque Discounting Unlocks receivables by discounting invoices or cheques for immediate funding. Provides SMEs and corporates with cash against approved invoices or cheques ahead of their normal payment dates.
• POS Finance Point-of-sale financing solution enabling customers to access funding at the time of purchase. Designed for businesses operating retail or distribution point-of-sale environments.
• Factoring Invoice factoring service providing businesses with immediate cash flow against their outstanding receivables. Targets SMEs and corporates seeking early liquidity on approved invoices.
• Finneva Credit Fund DFSA-regulated investment vehicle (Finneva Credit Fund Open Ended PCC Limited) providing professionally managed SME credit opportunities across UAE sectors including Healthcare, FMCG, Manufacturing, Education, and Technology. Offered to DFSA Professional Clients such as banks and institutional investors seeking diversified trade-finance exposure.
• Finneva SaaS+ Platform Proprietary cloud-native digital platform powering end-to-end financing workflows including digital onboarding, credit decisioning, payment disbursements, repayment collections, real-time reporting, and audit trailing for SMEs, corporates, banks, and institutional investors.

Quantifiable outcome

• Up to 55-60% faster cash realization through shortened payment cycles and early access to funds against approved receivables
• +2 more outcomes

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature6 records

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Crediblex: UAE-based supply chain and SME working-capital finance platform offering receivables financing, factoring, and credit to SMEs. Directly comparable on product (receivables/invoice financing) and geography (UAE/MENA).
• Beehive: UAE-originated peer-to-peer SME lending marketplace connecting businesses with investors in MENA. Closely comparable on SME lending focus, marketplace-to-institution funding model, and regional footprint.
• iwoca: European fintech providing flexible working-capital lines and short-term loans to SMEs via an automated credit decisioning platform. Closely analogous to Finneva on speed-to-capital and SME term-loan products.
• Wayflyer: Provider of revenue-based financing and working capital to SMEs with a digital underwriting platform. Comparable on SaaS+ loan platform and SME working-capital positioning.
• Taulia: Supply chain finance and dynamic discounting platform with embedded ERP integrations. Highly comparable to Finneva's Channel/Supplier Finance products and API-first integration approach.
• C2FO: Global working-capital marketplace enabling corporates and suppliers to optimize payment terms. Direct overlap on supplier finance and ecosystem financing mechanics.

Regional players

• Lendo: Saudi Arabia-based fintech providing P2P SME financing with comparable marketplace lending model. Similar product set (working capital to SMEs), but primarily serves Saudi rather than UAE.

Broad incumbents

• Funding Circle: Public, scaled SME lending platform offering term loans and working capital to small businesses. Comparable on core SME lending product and institutional-grade underwriting, but UK/global rather than MENA-focused.
• OnDeck: Established online small-business lender offering term loans and lines of credit with data-driven underwriting. Comparable SME lending product and tech-led credit decisioning, though at much larger scale.
• BlueVine: Digital banking and small-business financing platform offering invoice factoring and lines of credit. Comparable on receivables-based SME working capital offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/finneva

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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 Finneva