NEO PAY has entered a strategic partnership with global fintech platform Biz2X to expand access to embedded financing for small and medium-sized enterprises across the United Arab Emirates. The collaboration brings together NEO PAY’s growing network of merchant clients and Biz2X’s AI-driven lending technology to streamline how business credit is assessed, approved, and delivered. Positioned as a key step in building a more dynamic SME financial ecosystem, the agreement aims to make funding more accessible, tailored, and efficient.
Partnership Accelerates Embedded SME Finance in the UAE
At the core of the partnership is the integration of Biz2X’s AI-first lending engine directly into NEO PAY’s merchant platform. This creates a unified marketplace where lenders and SMEs can connect within a single environment, with credit assessment and loan offers embedded into the daily payments and transaction flows of merchants. The model simplifies access to credit for SMEs while giving lenders a more data-rich and automated way to originate and manage loans.
AI-Powered Credit Marketplace for Merchants and Lenders
By tapping into NEO PAY’s verified SME base, lenders gain visibility into businesses with established transaction histories and measurable performance. Biz2X’s technology uses these data points to pre-qualify applicants, reducing acquisition costs and cutting the time between application and disbursement significantly. What traditionally could take weeks is now designed to be reduced to a matter of days, improving capital availability when businesses need it most.
Faster, Tailored Financing Journeys for NEO PAY Merchants
For merchants using NEO PAY, the financing experience is built around digital onboarding and automated decisioning. Loan approvals can be achieved in as little as 48 hours, providing SMEs with a faster route to working capital and growth funding. The embedded AI engine structures offers around each merchant’s cash flow patterns and sales cycles, with repayment options designed to move in line with business performance rather than rigid, one-size-fits-all schedules.
Strategic Benefits for the Fintech and SME Ecosystem
Executives from both companies underline the partnership as a catalyst for a more inclusive SME finance landscape in the UAE. NEO PAY’s leadership sees the collaboration as a way to strengthen the country’s payments and lending infrastructure by combining rich transaction data with AI-driven underwriting. For Biz2X, the alliance supports its broader goal of making credit access more frictionless for SMEs globally, while reinforcing NEO PAY’s standing as a regional fintech innovator.
Company Profiles and Market Positioning
NEO PAY operates as a major digital payments and merchant solutions provider in the UAE, offering secure, scalable, and data-led services for businesses across multiple sectors. With its in-house processing capabilities, the company delivers integrated payment and financial solutions to both SMEs and larger enterprises that seek customized setups. The new financing layer powered by Biz2X further expands its value proposition beyond payments into embedded financial services.
Biz2X, meanwhile, is a global SaaS platform used by financial institutions to deliver automated, AI-powered online lending journeys. Its technology underpins more than US$32 billion in SME lending worldwide, with a presence in markets such as the United States, MENA, and India. By deploying its engine through NEO PAY, Biz2X extends its reach in the region while showcasing how AI can scale more intelligent and responsive lending models.
The NEO PAY-Biz2X partnership represents a significant move toward embedding finance into the day-to-day operations of SMEs in the UAE. By combining transaction-level data, AI-driven analytics, and digital onboarding, the collaboration promises faster, more personalized, and more efficient access to credit for thousands of merchants. In a market where SME growth is central to economic diversification, this alliance positions both companies as key enablers of a smarter, more inclusive financial ecosystem.