Financial services company Deem Finance has partnered with AI-powered lending platform Biz2X to expand embedded, data-driven finance solutions and address the small and medium enterprises (SME) credit gap in the UAE.
The partnership will enable Deem Finance to use Biz2X’s AI lending platform to provide financing solutions at the point of sale (POS), allowing qualified merchants to get credit based on their current sales and transaction data. The approach allows financing decisions to more accurately reflect actual business performance and day-to-day cash-flow dynamics.
Real-time data in SME credit decisions
By embedding POS-based cash-flow insights into its credit decisioning, Deem Finance can offer financing that is more transparent, predictable, and closely aligned with business cycles. The solution features a fully digital onboarding process, with credit assessments and approvals typically completed within 48 hours.
Repayment structures are linked directly to sales performance, allowing SMEs to manage working capital more effectively during slower trading periods while retaining the flexibility to scale during growth phases. Biz2X’s globally established platform currently supports more than $37 billion in SME lending worldwide.
Chris Taylor CEO Deem Finance
“SMEs are the backbone of the UAE economy, yet many continue to face barriers to accessing finance that truly reflects how they operate. This partnership enables us to lend differently, using real transaction data to deliver fairer, more practical financing that moves with a business, not against it. By reducing friction and improving predictability, we are helping entrepreneurs focus on building and growing their businesses with confidence.”
Rohit Arora, CEO and co-founder of Biz2X and Biz2Credit, remarked that, “Our mission at Biz2X is to make access to credit simpler, faster, and more closely aligned with real business performance. Partnering with Deem Finance allows us to extend that mission to the UAE through a regulated institution with deep local market understanding. Together, we are enabling SMEs to access capital with greater speed, transparency, and trust.”
