Capital for growth
We underwrite the revenue a business actually generates, not the collateral it cannot provide.
Profitable businesses that cannot grow.
Most Iraqi SMEs are informal or semi-formal. They earn real money through POS terminals, marketplaces, wallets and transfers. Every dinar is traceable.
Banks still decline them. No collateral, no audited accounts.
A pharmacy that could open a second branch. A wholesaler who could take the bulk discount. Held back by timing, not by demand.
Digital first, data driven
10 minutes
To complete an application
Consent-based
You choose what to connect
Data-driven
Revenue over collateral
Human reviewed
Credit team on every file
Fully audited
Every decision recorded
Expand practical and responsible access to growth financing for Iraqi SMEs.
A market where growing businesses get capital at the right time, without friction or dilution.
What growth capital changes
SME growth
Capacity before the next cycle
Formalisation
Registration follows revenue
Jobs
Hiring potential in the local economy
Supply chains
Suppliers paid on time
Resilience
Stronger local economies