Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.
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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).
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #135 of 254 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/valu/install" width="1" height="1" alt="" style="display:none">2 companies are linked to valU in the Embedded Finance Index 2026, through their own public disclosures or valU's published customer list, including Majid Al Futtaim and noon Payments.
valU is an embedded-finance provider in Lending. It ranks #135 of 254 Lending providers by linked companies.
The most-named Lending alternatives to valU are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
valU is founded in 2017 and headquartered in Arkan Plaza, Sheikh Zayed, Egypt.
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