Zelo

Zelo, based in the United Arab Emirates, is a digital financing platform that specializes in offering rapid and flexible capital solutions to small and medium enterprises (SMEs) through innovative financing methods. Founded in 2020 and headquartered in Abu Dhabi, United Arab Emirates, Zelo is a digital financing platform that provides capital solutions for SMEs. In December 2025, Zelo raised USD 715 mn in venture funding from International Holding Company, marking a pivotal moment in its growth strategy. Zelo is a digital financing platform that specializes in providing fast and flexible capital solutions primarily through invoice financing and revenue-based financing for small and medium enterprises (SMEs).

Its offerings enable businesses to access immediate funds against approved invoices, alleviating cash flow constraints due to delayed payments. Catering to various industries, including retail, eCommerce, healthcare, logistics, and construction, Zelo allows businesses to receive capital within 24 hours of submitting invoices, effectively transforming receivables into liquidity. Zelo’s revenue model is driven by transaction fees associated with its financing solutions, which are structured to be transparent and predictable. Clients receive immediate funding upon submitting invoices, while Zelo collects payment directly from the client's customer on the due date.

The pricing structure operates on a daily model, promoting flexibility for clients and supporting their cash flow needs. Zelo primarily serves B2B clients, enhancing its market presence and transaction volume while building a reliable revenue stream. In December 2025, Zelo raised USD 715 mn in venture funding from International Holding Company. This funding will be used to extend its financing options to small and medium-sized enterprises (SMEs) throughout the Middle East region, aligning with its strategy for growth.

Zelo's future initiatives include the development of new products tailored to the needs of SMEs and expansion into additional markets in the Middle East.