Flend & Khazenly Partner to Embed SME Finance Into Logistics Platform
Flend has agreed to embed SME financing of up to LE 8 million directly into Khazenly’s logistics platform.
Flend, Egypt’s first licensed digital non-bank financial institution dedicated to supporting small and medium enterprises, and Khazenly, Egypt’s on-demand logistics and fulfilment provider for e-commerce entrepreneurs, announced a strategic partnership to embed SME financing of up to LE 8 million per ticket directly into Khazenly’s platform.
The collaboration will use sales, fulfilment, and shipping data available on Khazenly’s digital platform to offer tailored credit assessments and financing that reflects merchants’ operational performance and growth potential. Khazenly’s merchants can finance inventory, fulfilment, delivery, and day-to-day working capital needs from a platform they already use, with an end-to-end digital journey that includes approvals in as little as three days, electronic contracts, and no physical branch visits.
“Flend was built to finance businesses that traditional models overlook,” said Ahmed Zaki, Co-Founder and CEO at Flend. “By leveraging real operational data and integrating directly into Khazenly’s platform, we unlock access to capital for merchants who are growing but previously underserved. This partnership allows us to deliver fast, fair, and flexible financing that fuels real business expansion, not just short-term liquidity.” Osama El Jammali, Co-Founder and CCO at Khazenly, added: “Our role extends beyond logistics. E-commerce merchants need speed, reliability, and financial flexibility to scale sustainably. Through our partnership with Flend, we are offering our merchants smart financing solutions that are fully aligned with their operational cycles, enabling them to invest, grow, and compete more effectively.”
Khazenly provides on-demand logistics solutions across Egypt, including storage, order fulfilment, last-mile delivery, and cash collection via a technology-driven platform. Flend provides digital, data-driven financing for SMEs, using real business performance data to enable rapid approvals, electronic contracting, and seamless repayment. Both companies emphasised that the partnership reflects a shared long-term vision to enable Egyptian SMEs by combining operational infrastructure with responsible, data-driven financing, supporting business expansion, job creation, and digital adoption.
