ValU
“Can a pioneering MENA BNPL company become the universal financial OS for consumers and SMEs across the Arab world?”
Founded2017
HQArkan Plaza, Sheikh Zayed, Egypt
Latest round$63.6M credit line from National Bank of Egypt (Jan 2026)
IndustryFintech / Lending
The story
Founded 2017 as Value Consumer Finance, ValU pioneered Buy-Now-Pay-Later in the MENA region with its U product. It has since expanded into a multi-product universal fintech offering BNPL, prepaid and co-branded cards (Cards), instant cash redemption (Sha2labaz), luxury financing (Ulter), auto financing (Shift), gift cards (Flip), investments (AZValu money market + EFG Hermes ONE brokerage), and SME services (Valu Business). The company is now expanding geographically (Jordan, 2025) and pivoting into B2B SME lending (FRA approval, 2026).
Last 12 months
Product timeline
2017
Founded as Value Consumer Finance, pioneering BNPL in MENA via U product· pivot
2024
Listed on the Egyptian Exchange (EGX) under ticker VALU· ipo
2025
Reported EGP 2.6B ($53.7M) gross revenue in H1 2025; 25% BNPL market share· banking
2025
Received Central Bank of Jordan final approval for operations· banking
2026
Secured $63.6M credit line from National Bank of Egypt· banking
2026
Received FRA approval to establish dedicated SME Financing business· lending
Regulated entities
2
regulatory licences held by ValU
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in ValU’s embedded-finance stack
Payments / PSP
Amazon Payment Services (BNPL acquirer integration)Valu BNPL (self-operated, in-house)Valu Cards (self-operated co-branded credit/prepaid)
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Payroll
in the full report
Accounting gap: none
12 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.