The right platform, in the right market, at the right moment.
- 0%+
- of registered UAE companies are SMEs (Ministry of Economy)
- 0%+
- of non-oil GDP is driven by small and medium enterprises
- $0T
- global trade finance gap, felt hardest by SMEs (ADB)
Digital finance is a national push
Asharfi.ae is designed to grow with the UAE's regulatory agenda, not around it.
SME growth is government policy
Expanding SME access to finance is an explicit national priority.
The technology finally exists
AI underwriting and real-time rails make modern factoring buildable, properly.
Where we are, and where this goes.
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Now · Validation
Design partnership
Registering interest, shaping the product with future users.
Scope
- Registering early-access interest across the UAE
- Shaping product and pricing with future users
- Regulatory engagement and groundwork
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Next · Pilot
Controlled pilot
First advances with a selected cohort, on founding-partner terms.
Scope
- First invoice-backed advances with a selected cohort
- Founding-partner terms for early registrants
- Institutional capital and banking partnerships
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Then · Scale
Full platform across UAE trade
General availability, embedded finance, regional foundation.
Scope
- General availability of working-capital products
- Embedded finance via APIs and partners
- Foundation for regional expansion