Fast Capital.
Incredible Growth.

The digital financing platform that businesses turn to for fast, secure, flexible, and frictionless financing solutions.
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An
IHC
Group Company
Transactions
9,000+
Financed
AED 200 Million+
Recognized by
future100uae-ministryadgmEDBhub7

Get assured financing in hours as a seller of our buyer ecosystem

Construction & Real Estate
TrojanEmaarmodonaldar
EPC Contractors
lamprellNmdc
Government
United Arab EmiratesGovernment of DubaiDubai PoliceGovernment of Abu dhabi
Government
Burjeelsehadubai health authority
Marine
Abu dhabi PortsDp world
Oil & Gas
enocAdnocSnocBorouge
Oil & Gas Contractors
NoyBaker HughesSchlumbergerHalliburton
Utilities
TaqaSharjahdewaRoads and Transport

Designed for Speed, Built for Growth.

Zelo gives your business the liquidity it needs — fast, flexible, and on your terms.
Get Paid in 24 hours
Why wait 60-90 days to collect? Access cash against your approved invoices in a single business day.
get-paid-in
Use What You Need, When You Need It
Draw down only what you need. No fixed EMIs. No unnecessary interest. Just smarter, stress-free capital.
use-what-you-need
Partners in Growth, not a Lender.
We’re a human-first fintech. Call us, WhatsApp us — speak to a real human, always. we’re here to help you grow, not lock you in.
partners-in-growth

Finance that works the way you do.

Zelo accelerates access to capital you have locked in your invoices – fully digital, reliable and fair from day one.
Fully Automated, End-to-End
No paperwork. No in-person visits. Upload invoices, get funded, and let our system handle the rest.
Fully-automated
Financing You Can Rely On
Regulated. Transparent. Always available when your business needs a liquidity boost.
Financing-you-rely
Pay As You Go, Not a Dirham More
Our daily pricing model means if your buyer pays in 40 days, you only pay for 40. No lock-ins, no surprises.
pay-as-u-go

Tailored solutions that work with your business

We go beyond providing quick access to working capital. We enable ambitious businesses to scale, expand and grow.

Financing that moves businesses forward

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Engineering Contracting

Invoice Finance
3 parallel projects launched vs. 1 prior to funding support
Case Study-2
B2B Trading
Invoice Finance
40% increase in execution bandwidth within 30 days
Case Study-3
Healthcare
Invoice Finance
+19% YoY sales growth after unlocking tied-up capital
Case Study-4
Logistics
Invoice Finance
Reduced Days Sales Outstanding from 98 to 21 days
Case Study-5
Oil & Gas
Invoice Finance
AED 800K saved on raw materials via bulk early procurement
Case Study-6
Consulting / Professional Services
Invoice Finance
AED 2.2M across 18 B2B invoices funded within 2 months
Case Study-7
Consulting / Professional Services
Invoice Finance
Secured 3 new projects after unlocking AED 4M in liquidity
Case Study-8
E-Commerce
Invoice Finance
Reduced stockouts during peak sales by 72%

Testimonials

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“Selling on Amazon was great for sales, but waiting for payouts was holding us back. With Zelo, we don’t wait at all – we get our cash as soon as we ship our products. It’s been a game-changer for our online beauty brand. We’ve been able to bulk up our inventory and even launch new product lines because Zelo turns our Amazon sales into immediate funds. Our cash flow finally keeps up with our growth.”

Ayush Bhatia,
Founder at Beauty Products eCommerce Retailer
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“We execute multiple projects that often span months, so our capital used to be locked up in unpaid invoices. Zelo changed that dynamic completely. Now we get most of our billings paid upfront through their platform, which means we can start the next project immediately without waiting for the last one’s payment. It’s enabled us to run more projects in parallel and dramatically boosted our contracting business’s growth.”

Ayush Bhatia,
Finance Manager at Mid-Sized Project Contracting Company
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“Despite being a large trading company, we sometimes faced liquidity crunches due to extended client payment terms. Zelo eliminated that pain point by unlocking capital from our oil shipment invoices within 48 hours. With steady cash on hand, we maintain smooth operations and have even increased our trading volume – without stressing about delayed payments from buyers.”

Ayush Bhatia,
Finance Manager at ~160M Oil Trading Company
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“As a boutique firm with large clients, waiting months for payments was hindering our growth. Zelo stepped in to bridge those long payment gaps. Their solution advanced our fees on government contracts, so we could focus on delivering work instead of worrying about cash flow. We’ve since taken on more government projects confidently, knowing Zelo has our back on the working capital front.”

Ayush Bhatia,
Director at Dubai-based Boutique Consulting Firm
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“Cash flow was a constant headache until we partnered with Zelo. Big retailers used to pay us 60+ days after delivery, leaving our funds tied up. Zelo’s invoice financing changed everything – we get paid on our invoices within a day. Now we never have to turn down large orders, and our electronics supply business is growing without cash constraints.”

Ayush Bhatia,
Owner at ~10M Consumer Electronics Supplier

Financing questions? Let’s break it down.

What is Zelo
Zelo is a leading digital financing platform that helps businesses access capital instantly through invoice financing and revenue-based financing solutions.
How does Zelo help small and medium enterprises?
Zelo provides fast, flexible, and digital-first receivable financing solutions. This allows businesses to pay suppliers, hire employees, invest in growth and marketing, and expand operations without being restricted by delayed payment cycles from their customers.
What types of businesses does Zelo serve?
Zelo serves small and medium enterprises (SMEs) across various industries such as retail, F&B, eCommerce, construction, healthcare, logistics, energy and more.
Is Zelo a bank?
Zelo is not a bank. Zelo is a private financing platform, regulated under the Abu Dhabi Global Market (ADGM) by the Financial Services Regulatory Authority (FSRA).
How is Zelo different from traditional banks?
Unlike banks, Zelo offers a fully digital and fast approval process, flexible repayment structures, and convenient financing solutions tailored to the business performance of the SMEs.
Is Zelo available outside of the UAE?
Currently, Zelo operates within the UAE, serving businesses registered in the country and across its various free zones.