← Embedded Finance Index 2026

CredibleX

“Can an ADGM-licensed embedded lender become the default working-capital-finance layer for SMEs across UAE platforms by embedding credit directly into POS, e-commerce, and B2B software ecosystems?”

Founded2023
HQAbu Dhabi, United Arab Emirates
Total raised$170M+
Latest roundSeries A, 2026
IndustryFintech / Lending
The story

Founded in 2023 in Abu Dhabi, CredibleX entered the UAE SME financing market with an embedded Credit-as-a-Service model, targeting the chronic working capital gap for small businesses. Rather than lending directly, it embeds financing into partner platforms — POS providers, e-commerce platforms, and B2B marketplaces — using transaction data for near-instant underwriting. The company scaled rapidly via a $55M seed in late 2024, a $100M debt facility in 2025, and a $15M Series A in 2026, building a distribution network of 70+ partners including Mastercard and Network International.

Last 12 months
2026-05
2026-02
Product timeline
2023
Founded in Abu Dhabi as an embedded SME lending platform offering Credit-as-a-Service.· lending
2024
Received FSRA license from the Abu Dhabi Global Market (ADGM) in November.· lending
2024
Raised $55M seed round (equity + debt) led by Further Ventures to expand Credit-as-a-Service platform.· lending
2025
Secured $100M in debt financing to scale lending capital.· lending
2025
Named to CB Insights Fintech 100 list of most promising private fintech companies.· lending
2026
Partnered with NEOPAY to offer embedded POS financing to UAE merchants.· lending
2026
Raised $15M Series A led by Mubadala Investment Company; grew to 70+ distribution partners including Mastercard, Network International, and Neopay.· lending
Regulated entities
1
regulatory licence held by CredibleX
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in CredibleX’s embedded-finance stack
Lending
SME working capital loansInvoice financeAccounts receivable financeFixed term loansB2B channel financePOS embedded financeSME insurance finance
Accounting gap: none