Aura Finance provides an embedded lending infrastructure that enables digital platforms in the MENA region to offer real‑time credit to their SME customers via API or white‑label integration. The company handles underwriting, capital provision, regulatory compliance, and collections, allowing platforms to retain their brand experience and set their own pricing margins while delivering instant, collateral‑free financing at the point of sale.
Funding
$10K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
SMEs in the MENA region face a large financing gap because traditional banks provide slow, collateral‑heavy loans that often arrive weeks after a transaction, leaving businesses unable to fund inventory or fulfill orders. Platform owners (marketplaces, SaaS, insurers, accounting tools) see this credit need in their data but cannot act on it without building a licensed lending operation.
Solution
Aura Finance offers an embedded lending infrastructure that lets digital platforms provide credit to their SME customers directly within the platform’s workflow. Through a white‑label UI or API, Aura handles all underwriting, capital provision, regulatory compliance, and collections, while the platform retains its brand experience and sets its own margin. The credit decision is made in seconds using the platform’s transaction data, and funds are disbursed instantly, enabling SMEs to obtain cash at the point of sale without separate applications or collateral.
Target Audience
Primary customers are digital platforms operating in the MENA region that serve SME merchants—such as B2B marketplaces, SaaS providers, insurance companies, and accounting or vendor‑portal solutions—seeking to offer credit without building a lending business.
Features
- API and white‑label integration that embeds credit as a native feature in B2B marketplaces, SaaS tools, insurance portals, and accounting platforms
- Real‑time underwriting engine that evaluates creditworthiness from platform data (invoices, orders, payment history) within seconds
- Aura‑funded capital pool eliminates the need for platforms to provide or risk their own capital
- Full regulatory compliance, risk management, and collections handled by Aura, removing licensing and operational burdens
- Flexible pricing model allowing platforms to set their own margin on top of Aura’s cost of funds
- Scalable deployment: ops‑led pilot launch in days, with optional migration to full API for custom UX