The credit layer that powers your platform
Platforms use Aura to offer credit to their SME customers. Underwriting, capital, compliance. We run all of it, you just embed.
Aura Finance is an embedded lending infrastructure company operating across the Middle East and North Africa (MENA). Aura's credit engine enables digital platforms — including B2B marketplaces, SaaS tools, insurance companies, and vendor portals — to offer credit directly to their SME customers through an API or white-label integration. Aura handles underwriting, capital deployment, regulatory compliance, and collections, while platforms retain full control over the customer experience and pricing margin.
How it works
Credit embedded where business already happens
Most SMEs can't get bank credit. You sit between them and their cash flow. Aura gives you the tools to offer credit, without becoming a lender.
Platform integrates
You embed Aura. Your customers see credit as a native feature in your product.
Aura underwrites
Our engine assesses creditworthiness using data from your customers and platform.
SME gets credit
Your customer gets credit inside your product. No separate application, no collateral.
Full-stack infrastructure
Everything credit needs, already built
Capital, underwriting, compliance, servicing. Platforms plug in and go without building any of it themselves.
Capital
We source the capital and manage how it moves. Your customers get financing without hitting walls.
Underwriting
Proprietary risk models built on MENA trade data. Credit decisions in seconds at point of transaction.
Document collection
White-labelled components or APIs to collect documents for underwriting, within your product.
KYC/KYB
Automated identity and business verification with UAE-compliant checks. Onboard SMEs in minutes.
Servicing
End-to-end loan lifecycle: Origination, disbursement, loan management, collection, and reconciliation.
Dashboard
Real-time portfolio visibility for platforms. Monitor approvals, utilization, and performance at a glance.
Built for you
Built for any platform that serves business customers
These are common use cases. If your platform processes B2B transactions, there's a likely fit.
Industry benchmarks
Platforms embedding credit see real results
Globally, platforms that embed credit at the point of transaction see:
Global embedded lending benchmarks.
For Platforms
Ready to embed credit?
Speak to us to see how embedded credit could work for your platform. No commitment, just clarity.
Talk to us →For SMEs
Need financing for your business?
Get paid today for your outstanding B2B invoices. Fast approvals, same-day funding, no collateral required.
Check eligibility →