EFG Finance

Through EFG Finance, the Firm brings clients a rapidly expanding and constantly evolving portfolio of non-bank financial institutions (NBFI) including, factoring, financial leasing, microfinance, mortgage, insurance, payments and consumer finance. Innovative solutions cater to the specific needs of a wide array of clients, including individuals, entrepreneurs, large institutions, and SMEs.

Financial Technology

Valu is the leading universal financial technology powerhouse, offering a suite of financial services to individuals and businesses. Since its launch in 2017, Valu continues to provide a wide range of comprehensive and convenient financial solutions and products to its customers.

Through U, Valu has pioneered BNPL (Buy Now Pay Later) solutions in the MENA region providing customizable financing plans for up to 60 months across more than 6,000 points of sale and over 1,500 online stores, covering a diverse array of categories. Valu also offers investment products, an instant cash redemption program, savings solutions, and a financing solution to facilitate the purchase of big-ticket items up to EGP 15 Million in the luxury space, through AZvalu fund and EFG Hermes ONE, Sha2labaz, Akeed, and Ulter respectively. In addition, Valu offers tools to manage your employees, provide financial services, and more through Valu Business

Mortgage

Bedaya is a joint venture between EFG Holding, GB Capital, and TMG that offers mortgage finance to all consumers looking to buy move-in homes across TMG’s existing projects and potential developments.

Microfinance

Tanmeyah is one of Egypt’s leading Financial solutions providers. Founded in 2009 and acquired by EFG Holding in 2016, Tanmeyah quickly became Egypt’s pioneer in responsible financing for lower-income, Very small, and micro-enterprise owners with limited access to capital. The loans that Tanmeyah provides for this crucial segment of the population enable very small entrepreneurs to launch and grow their businesses and support their surrounding communities. Tanmeyah directs its financing towards high-demand areas and individuals through branches in the heart of its communities, mainly in the Delta and Upper Egypt. It also offers a wide range of financial solutions, products and services that complement the diverse needs of Micro & very small businesses, such as individual lending for women and specialized loans. The company seeks to fuel economic growth, provide pathways out of poverty, increase financial inclusion and improve local living standards.

Tanmeyah currently operates 306 branches spanning 25 Egyptian governorates. The company boasts a client base of around 400,000 and is served by a bench strength of over 4,500 employees.

Factoring & Leasing

EFG Hermes Corp Solutions helps business owners grow sustainably, providing them with immediate access to liquidity without diluting equity or incurring in further debt by selling businesses’ accounts receivables. It also offers a roster of tailored, comprehensive leasing solutions and value-added advisory services.

Insurance

Kaf provides a full suite of life and medical insurance solutions geared toward owners of various asset classes such as homeowners and vehicle owners.

E-payments

PayTabs Egypt is an innovative fintech solution that caters to both the online and digital payment needs of multiple consumer segments in the country. The platform allows users to carry out financial transactions such as purchases, money collection, or bill payments to empower financial inclusion and cashless payments.

Aladdin ElAfifi

CEO, EFG Finance

Mahmoud Badran

Group Head of Finance, EFG Finance

Jinu Johnson

CEO of Tanmeyah for Microenterprise Services

Mohab Shawky

CEO of EFG SME, EFG Finance

Shahir Elfaramawy

Head of Business & Product Development, EFG Finance

Talal El Ayat

CEO of EFG Corp Solutions

Hesham El Bosaty

Group Treasurer

Ahmed Osama

Chief Risk Officer, EFG Finance

Non Bank Financial Institutions