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CredibleX

Growth Score40DXBi Rank28Heat Score100

Abu Dhabi embedded finance platform for SMEs.

Founded 2022PrivateSeries AAbu Dhabi, UAE, Abu Dhabi11-50 employeescrediblex.io
Prospect profileEmbedded FinanceSME Lending
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Overview

CredibleX provides embedded working-capital and trade finance to small and medium enterprises across the UAE, distributed through platform and marketplace partners.

Total Funding

$70M

40

Growth Score

Trending down

100

Heat Score

Trending up

Details

Operating Status
Active
Company Type
Private
Funding Stage
Series A
Headquarters
Abu Dhabi, UAE
Founded
2022
Company Size
11-50 employees
Founders
Anand NagarajAhmad MalikHassan Reda

Products & Services

Invoice Finance / Receivables Financing

Embedded financing product advancing working capital against SME invoices/receivables.

B2B Channel Finance / Payable Financing

Embedded financing enabling SMEs to extend payment terms to suppliers/distributors within partner channels.

POS Finance

Point-of-sale embedded lending product, distributed via partner platforms such as Network International.

SME Insurance Finance

Premium financing product allowing SMEs to spread insurance premium payments, offered with partners such as Sukoon Insurance.

Revenue-Based Financing

Working-capital product where repayment is tied to a share of the borrower's ongoing revenue.

People

Technology

Tech stack

zypl.score (third-party AI credit-decisioning engine from partner zypl.ai, built on the zGAN synthetic-data generative model) -- used by CredibleX for real-time SME credit risk assessment and pre-approval since a March 2024 partnership; documented in company/press release, not an internally-built stack

Financials

Series A

Funding stage

$70M

Total raised

Funding rounds

Projects

PartnershipAnnounced

CredibleX and zypl.ai Form Strategic Partnership Harnessing Generative AI to Empower 20,000 SMEs

CredibleX partnered with generative-AI fintech zypl.ai to integrate zypl.score (AI-driven credit decisioning, built on the zGAN synthetic-data model) into its SME loan underwriting, aiming to speed up and improve accuracy of credit risk assessment as CredibleX targets 20,000 SMEs by end of 2024.

Mar 29, 2024

Project Launch / Regulatory LicensingCompleted

CredibleX Unleashes Next-Generation Lending Solutions with New ADGM Licenses and Targets 20,000 Companies in 2024

CredibleX received regulatory approval and licenses (Category 2, 3, and 4) from the FSRA in Abu Dhabi Global Market, launched its embedded finance platform, and became the first fintech partner of ADGM's SME financing digital platform, Numou.

Nov 28, 2023

Contract Award / Credit FacilityAnnounced

Pollen Street Capital Provides $100M Senior Secured Credit Facility to CredibleX

UK-based alternative asset manager Pollen Street Capital extended a US$100 million senior secured credit facility to CredibleX to support expansion of its SME loan book -- Pollen Street's first transaction in the UAE following the opening of its Abu Dhabi office.

$100M

Sep 11, 2025

Series A FundingClosed

CredibleX: Series A Funding

Series A Funding involving CredibleX (Fintech / Embedded Finance).

May 6, 2026

InvestmentCompleted

CredibleX raises $15M Series A led by Mubadala

Abu Dhabi embedded finance platform CredibleX closed a $15M Series A round led by Mubadala Investment Company.

$15M

May 6, 2026

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