Flend and Khazenly have announced a strategic partnership designed to expand access to fast, fair, and flexible financing for Egypt’s growing community of e-commerce merchants. The collaboration will enable Khazenly merchants to access digital financing of up to $170,000 per ticket through solutions powered by Flend. The initiative reflects a broader effort to modernize SME financing and support Egypt’s accelerating digital economy.
A Milestone for Egypt’s Digital Economy
The partnership represents a meaningful step in the evolution of Egypt’s non-bank financial services and e-commerce infrastructure. By combining digital financing with logistics and fulfillment, the two companies aim to remove long-standing barriers that SMEs face when seeking working capital. This integrated approach aligns with national priorities around digital transformation, financial inclusion, and private-sector growth.
Embedding Finance into Daily Operations
At the core of the partnership is the embedding of financing directly into Khazenly’s logistics and fulfillment platform. Instead of relying on fragmented and time-consuming traditional lending processes, merchants can now access capital within a system they already use daily. This shift enables a more seamless, efficient, and business-centric financing experience for e-commerce entrepreneurs.
Data-Driven Credit Assessment
Flend will leverage sales, fulfillment, and shipping data generated on Khazenly’s platform to deliver tailored financing solutions. This data-driven model allows for more accurate credit assessments that reflect merchants’ real operational performance rather than static financial snapshots. As a result, financing decisions are better aligned with growth potential and actual business activity.
Flexible Capital for Business Growth
Through the collaboration, Khazenly merchants can finance inventory purchases, fulfillment costs, delivery expenses, and ongoing working capital needs. Access to capital at critical points in the operational cycle supports business continuity and enables merchants to scale more confidently. The ability to invest directly in growth-related activities strengthens long-term competitiveness in the e-commerce market.
A Fully Digital Financing Journey
The financing process is designed to be fully digital from application to disbursement and repayment. Approvals can be completed in as little as three days, supported by electronic contracts and without the need for physical branch visits. This streamlined journey minimizes disruption to daily operations while providing speed, transparency, and convenience.
Leadership Perspectives on the Partnership
Commenting on the collaboration, Ahmed Zaki, Co-Founder and CEO of Flend, said the company was built to finance businesses often overlooked by traditional models. He noted that integrating real operational data from Khazenly enables Flend to unlock capital for growing merchants in a way that supports genuine expansion. Zaki emphasized that the partnership delivers financing designed to fuel sustainable business growth rather than short-term liquidity alone.
Khazenly’s Broader Role in Merchant Enablement
Osama El Jammali, Co-Founder and Chief Commercial Officer of Khazenly, highlighted that the company’s role extends beyond logistics services. He explained that e-commerce merchants require speed, reliability, and financial flexibility to scale sustainably in a competitive market. Through the partnership with Flend, Khazenly aims to offer financing solutions that align closely with merchants’ operational cycles and growth ambitions.
Both companies underscored that the partnership reflects a shared long-term vision to empower Egyptian SMEs through operational excellence and responsible, data-driven financing. By supporting expansion, job creation, and digital adoption, the collaboration contributes to strengthening Egypt’s e-commerce ecosystem and broader economic growth. The partnership was formally marked at a signing ceremony held at the Creativa Innovation Hub at Sultan Hussein Kamel Palace, an affiliate of the Ministry of Communications and Information Technology.
Source: FintechGate