About Zelo

The growth infrastructure platform for ambitious businesses

Established 2020 · Abu Dhabi

Regulated by ADGM · FSRAA subsidiary of IHC Group

From invoice financing to bank guarantees, we make accessing capital faster, simpler, and more transparent, so businesses can focus on growth, not financing complexity.

Built for speed

Making financing fully digital, fast, and hassle free

1.5B

Capital financed

12,000+

Transactions funded

5min

Average time to submit application

24hrs

Approval to disbursement

Zelo is a subsidiary of IHC, a global investment company with a diversified portfolio spanning multiple sectors and markets.

As part of the IHC ecosystem, we combine institutional strength with a fast, transparent, and customer focused approach to business financing, helping businesses move forward with confidence.

Mission

We exist to make growth capital more available, convenient and risk-optimized.

We do this by solving problems through innovative digital infrastructure, and by strengthening businesses and industries.

Vision

The trusted ecosystem where barriers to growth capital fall away, and it flows near automatically to the right capability, in the most optimized way.

Our values

The principles we operate by

How we think

Trust is everything.

We're honest, clear, and consistent. We never trade trust for a quick win.

We back capability.

We see the potential others miss, and build for what a business can become.

We solve problems.

That's the job. If the path doesn't exist, we build it.

How we operate

We own it.

We take ownership of the outcome, not just the task, and see it through.

We learn, together.

We grow through every challenge — and from each other.

We strive for balance.

The rigour of a bank with the pace of a startup. We hold both.

How we show up

We never give in.

When one door closes, we open the next.

We go where others won't.

Curious in how we think. Bold in how we act.

We're invested in what we build.

We care about results, not just returns. Do right by the business, and the rewards follow.

The story so far

A six-year track record

An ADGM-based, FSRA-regulated private financing platform delivering SME financing across the UAE since 2020.

Jul 2020

Founded as eFunder

Established in Abu Dhabi to rebuild SME access to cash flow.

Aug 2020

Incorporated in ADGM

Obtained FSRA approval to operate a regulated Private Financing Platform.

Jan 2021

Operations launched on Amazon

Went live with invoice financing for merchants on Amazon.

Dec 2022

1,500 transactions funded

Crossed 1,500 financed transactions, supporting growing UAE SMEs.

Aug 2024

7,000 transactions funded

Eclipsed 7,000 transactions on the platform across multiple sectors.

Sep 2024

Strategic investment from IHC

Backed by International Holding Company (ADX:IHC) with equity and a multi-year credit line.

Jul 2025

Rebranded to Zelo

Funder.AI becomes Zelo — unifying invoice financing and bank guarantees on one platform.

Jul 2026

1.5B+ financed

Surpassed 1.5 Billion in cumulative financing as Zelo scales across the UAE.

Our leadership

Meet the team

Our leadership team brings decades of experience in fintech, banking, and non-bank lending, making it easier for businesses to access the capital they need to grow.