NEO PAY & CredibleX Partner on Point of Sale Financing for SMEs

NEO PAY, a UAE-based digital payments and merchant solutions provider, has entered a strategic partnership with CredibleX, a licensed embedded financing lender, to connect working capital financing directly to merchants’ payment flows across point-of-sale and eCommerce channels.

Under the collaboration, CredibleX’s financing solutions are integrated into NEO PAY’s payments ecosystem, allowing merchants to access funding based on real-time transaction and revenue data. The model is designed to reduce reliance on paperwork-heavy credit processes, speed up approvals, and deliver a fully digital experience with faster disbursals.

The partners said credit assessments are informed by live business performance, enabling repayment structures aligned with each merchant’s cash flow and sales cycles. The approach is positioned to support SMEs in managing liquidity, purchasing inventory, and funding business expansion.