Deem Finance And Biz2X Expand Data-Driven SME Financing In The UAE

Deem Finance, part of the Gargash Group, has formed a strategic partnership with Biz2X, a global AI-powered lending platform, to expand data-driven embedded finance in the UAE and bridge the SME credit gap, accelerating access to fast, flexible financing aligned with real trading activity.

Under the collaboration, Deem Finance will use Biz2X’s AI-driven lending platform to launch point-of-sale-based SME financing. Eligible merchants will be able to access credit using real-time sales and transaction data instead of traditional, static balance-sheet assessments that may not fully capture business performance.

The new SME solution provides a fully digital onboarding journey with rapid credit assessments and approvals typically within 48 hours.

Repayment structures are linked to sales performance, supporting SMEs in managing working capital during quieter trading periods while allowing flexibility to increase borrowing capacity during growth phases.

For many small and medium-sized businesses in the UAE, working capital access remains a major barrier to growth, particularly for merchants with seasonal or transaction-driven revenues that are not easily reflected in conventional banking models. The partnership seeks to better match credit with the cash-flow patterns of modern commerce.

Deem Finance’s SME proposition is based on the view that many small businesses are viable, resilient, and growing but are overlooked by traditional credit models. By embedding POS-based cash-flow insights into its credit decisioning, Deem aims to offer financing that is more transparent, predictable, and aligned with business cycles.

“SMEs are the backbone of the UAE economy, yet many still face barriers to accessing finance that reflects how they really operate,” said Chris Taylor, CEO of Deem Finance. He said the partnership enables lending based on real transaction data, offering “fairer, more practical financing that moves with a business.”

Biz2X’s platform brings advanced analytics, intelligent underwriting, and scalable digital infrastructure to financial institutions in multiple markets. “Our mission at Biz2X is to make access to credit simpler, faster, and more aligned with real business performance,” said Rohit Arora, CEO and Co-Founder of Biz2X and Biz2Credit.

Arora said partnering with Deem Finance allows Biz2X to serve the UAE SME ecosystem through a regulated, purpose-driven institution that understands local market realities.

The Deem–Biz2X agreement forms part of Deem Finance’s broader commitment to responsible, inclusive SME financing in support of economic diversification, job creation, and long-term growth in the UAE.