Comfi Payments

comfi.ai

Comfi is a UAE-based embedded finance platform transforming how B2B trade is financed across MENA. Designed for suppliers, manufacturers, and distributors, Comfi enables businesses to offer flexible 30–90 day payment terms to their buyers while receiving upfront payments themselves. The company assumes the full credit risk and handles collections, allowing suppliers to unlock working capital, increase order volumes, and scale without cash flow bottlenecks. By embedding directly into the invoicing and accounting tools SMEs already use—such as Wafeq, Zoho Books, and ERPs—Comfi delivers frictionless financial services inside the B2B workflow. Its AI-powered underwriting engine assesses buyer risk in real time using transaction data, trade licenses, and payment behavior. Since its launch, Comfi has financed over $25M in B2B transactions, onboarded 300+ suppliers, and serves more than 1,000 SMEs in the UAE. The platform is backed by $25M in venture debt and has strategic integrations with national entities like AECB, UAEPass, and MOE. With plans to launch in Saudi Arabia in 2026, Comfi is on a mission to become the financial infrastructure layer of B2B trade in emerging markets.