Kashier and Flend have announced a partnership designed to expand access to digital financing for Egyptian small and medium-sized enterprises. The collaboration opens a new credit channel for Kashier’s merchant base through a paperless experience that is quick, transparent, and tailored. Both companies frame the move as a step toward a more inclusive, data-driven fintech landscape that supports sustainable business growth in Egypt.
Partnership Overview
Under the agreement, Kashier’s payment infrastructure will integrate with Flend’s financing technology to deliver working capital and growth financing to eligible merchants. Facilities are expected to reach up to EGP 8 million per business, with terms structured to accommodate cash-flow realities faced by SMEs. The product aims to reduce friction that typically slows lending decisions while preserving security and compliance standards.
How the Integration Works
The offer relies on secure use of transaction and sales data already flowing through Kashier’s platform. Flend analyzes this data to produce dynamic credit assessments that align financing limits and pricing with observed performance. The result is a more precise underwriting approach that can speed approvals and adjust offers as a merchant’s business evolves.
Leadership Commentary
Ahmed Zaki, co-founder and chief executive at Flend, said the partnership reshapes how Egyptian SMEs access capital by delivering a fully digital journey that is fast, flexible, and accessible when needed. He emphasized the removal of legacy hurdles that historically delayed or blocked funding for otherwise viable businesses. The goal, he added, is to equip merchants to scale with confidence while preserving day-to-day liquidity.
Kashier’s Perspective
Mohamed Hossam, co-founder and chief technology officer at Kashier, said integrating financing into the company’s payments stack gives merchants a toolset that extends beyond acceptance and settlement. He framed the collaboration as an expansion of Kashier’s value proposition from processing transactions to enabling growth. The companies expect improved retention and higher merchant satisfaction as financing becomes available within familiar workflows.
Value Proposition for SMEs
For merchants, the promise centers on speed, fairness, and predictability. Data-driven scoring can lower uncertainty around eligibility and offer size, while the embedded flow reduces documentation and manual checks. The financing is positioned to help businesses manage inventory cycles, fulfill larger orders, and bridge seasonal cash gaps without lengthy branch visits or opaque requirements.
Market Context
Egypt’s SME segment continues to face a credit gap that constrains expansion and limits resilience to shocks. Digital rails and alternative data are increasingly used to close that gap by measuring real performance rather than relying on incomplete statements or collateral. By pairing payments telemetry with purpose-built underwriting, the partnership targets scale at a cost profile suited to smaller businesses.
Next Steps and Availability
The rollout begins with Kashier’s existing merchants, who can apply through a streamlined interface and receive decisions within a compressed timeline. As performance data accumulates, Flend expects to refine models and broaden eligibility while maintaining prudent risk controls. Both teams signal ongoing product iteration that could introduce new tenors, repayment options, and sector-specific features.
Kashier and Flend are betting that embedded, data-anchored financing can unlock growth for thousands of Egyptian SMEs. The combination of real-time payment insights and flexible credit design aims to reduce friction and put capital to work faster. If execution matches the plan, the partnership could become a reference model for integrated fintech solutions serving underserved businesses in Egypt.