Abhi provides embedded financial services that let employees in Pakistan, the UAE, Saudi Arabia, and Oman access their earned wages instantly via a mobile platform, with transfers completed in under 30 seconds. The free‑for‑employers Earned Wage Access product integrates with payroll systems, while the company also offers SME financing and invoice factoring to give businesses quick working‑capital based on payroll and receivable data.
Funding
Funding not disclosed
Founders
Product
Problem
Many salaried employees in emerging markets experience cash‑flow gaps between pay cycles, leading to financial stress and reliance on informal borrowing. Employers also struggle to offer timely liquidity solutions that improve retention without adding payroll complexity.
Solution
Abhi delivers embedded finance services that give employees instant access to earned wages through a mobile platform, enabling transfers to any bank account or digital wallet within seconds. The service is offered free to employers, reducing administrative burden while enhancing employee satisfaction and reducing turnover. In addition to Earned Wage Access, Abhi provides SME financing and invoice factoring, allowing businesses to obtain working‑capital quickly and manage cash flow more efficiently. The platform integrates with payroll systems and partners with regulated financial institutions, ensuring compliance and secure transaction processing across Pakistan, the UAE, Saudi Arabia, and Oman.
Target Audience
Primary customers are mid‑size and large employers in Pakistan, the UAE, Saudi Arabia, and Oman seeking to improve employee financial wellbeing, as well as small‑ and medium‑size enterprises that need fast working‑capital financing.
Features
- Real‑time Earned Wage Access allowing employees to withdraw earned salary anytime, with transfers completed in under 30 seconds
- Seamless integration with existing payroll and HR systems via APIs, requiring minimal setup for employers
- SME financing and invoice factoring products that provide quick working‑capital loans based on payroll and receivable data
- Mobile‑first user experience with support for bank accounts and digital wallets across multiple regional markets
- Partnership with a licensed microfinance bank, offering a regulated banking framework and a network of physical branches
- Data‑driven credit underwriting leveraging transaction history and payroll information to assess risk