Saudi Fintech Orbii Raises $3.6M to Expand SME Credit Infrastructure

Riyadh-headquartered fintech Orbii has raised $3.6 million in seed funding to scale its embedded credit infrastructure platform. The round saw participation from Sanabil 500, Taz Investments, DASH Ventures, and VentureSouq, and was led by Prosus Ventures.

The company stated that the fresh capital will be utilized to expand operations in Saudi Arabia and the UAE, scale its engineering and data science teams, and integrate more deeply with regional financial systems. Orbii aims to leverage this growth to enable $1 billion in SME lending by 2026.

Orbii, founded in 2024 by Guillaume Kieffer, Nasara Mughal, and Nauman Ali, offers an AI-driven credit infrastructure that helps banks, fintechs, and B2B platforms roll out SME lending solutions faster. Its platform connects directly with existing systems such as ERP software, point-of-sale (POS) networks, and banks, enabling instant loan assessment, disbursement, and tracking.

Instead of relying on traditional, time-consuming credit checks, Orbii uses machine learning models to process raw financial data instantly. This approach delivers faster and higher-quality lending decisions, increasing approval rates while lowering defaults. The system is designed to help financial institutions and partners scale  SME financing with greater accuracy and less operational overhead.

Orbii’s platform offers modular infrastructure, enabling clients to build and test lending products without having to create credit functions from scratch. Its AI tools cover data ingestion, parsing, enrichment, and credit scoring, helping clients automate processes and reduce manual work. Borrower intelligence features also generate dynamic profiles, analyzing risk, repayment capacity, and cash runway using more than 1,000 financial indicators.

The startup’s platform supports a variety of financing products such as working capital loans, buy-now-pay-later services, salary advances, embedded lending, and merchant financing. This versatility allows banks, fintechs, and digital platforms to tailor offerings to the needs of their customers and business models.

CEO Nauman Ali explained the company’s mission, saying Orbii envisions a future where access to credit in MENA is seamless and immediate. “We want credit decisioning to be so embedded into existing workflows that it feels like a reflex, not a process,” he noted. This ambition reflects the company’s goal of making SME finance both accessible and scalable across the region.

Prosus Ventures, which led the seed round, emphasized Orbii’s strong execution capabilities. Robin Voogd, Head of Middle East Investments at Prosus, said the founding team combines “rare technical skill with deep market understanding” and has built a platform that makes SME credit “faster, smarter, and more accessible.” He also highlighted how Orbii has already shown tangible results for clients.

Currently, Orbii is working with a growing number of lenders, fintechs, payment firms, and B2B ecosystems across the region. The platform has already processed thousands of applications and facilitated millions of dollars in approved loans. With its latest funding, Orbii aims to extend this momentum and achieve its target of enabling $1 billion in SME lending by 2026.

Image credits: Orbii