EFG Finance

Through EFG Finance, the Firm brings clients a rapidly expanding and constantly evolving portfolio of non-bank financial institutions (NBFI) including financial technology, factoring & leasing, microfinance, mortgage, insurance and e-payments. 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 comprehensive financial solutions. Under its product universe, Valu pioneered Buy-Now, Pay-Later solutions in MENA, with financing plans up to 60 months, offering investment products, an instant cash redemption program, high-value financing program and savings solutions through the AZ Valu fund, EFG Hermes ONE, Sha2labaz, Ulter and Akeed, as well as 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 a leading provider of financial services in Egypt with a concerted focus on the micro enterprise segments, providing access to financing through a comprehensive suite of microfinance solutions targeted at high-need areas across the country.

Leasing & Factoring

EFG 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.

B2B Marketplace

Fatura, a technology-backed B2B marketplace based in Egypt, has undergone significant transformations since being invested in by EFG EV Fintech in 2020. Following its acquisition by EFG Finance in 2022, Fatura has taken steps to align with the broader strategic vision of EFG Finance. This integration has paved the way for a new corporate strategy for Fatura, signaling an exciting chapter of growth and opportunity within the EFG Finance ecosystem. Fatura operates across three key lines of business, catering to the diverse needs of small and medium-sized retailers in Egypt. These include the distribution of Fast-Moving Consumer Goods (FMCG) and Mechanical, Electrical, and Plumbing (MEP) supplies, and a Buy-Now, Pay-Later (BNPL) service offering, providing retailers with short-term credit for transactions on the platform.

Micro-VC

Established in 2017 as a joint venture between EFG Holding’s wholly owned subsidiary, EFG Finance, and government-backed venture capital fund, Egypt Ventures,EFG EV Fintech is Egypt’s flagship boutique micro-VC arm that seeks out and supports strategic fintech companies backed by innovative concepts and entrepreneurs from start-to-finish. Leveraging over three decades of investment and regional expertise, EFG EV Fintech boasts the country’s largest fintech portfolio of the most prominent companies operating in key sectors within the fintech space, including insurance-tech, regulatory-tech, agri-fintech, digital and open banking, and SME lending. The company not only provides the necessary funds to enable business growth but also offers legal advisory, commercial mentorship, and other support services with an eye for fostering progression and agility in Egypt’s fintech ecosystem.

Management

Aladdin ElAfifi

CEO, EFG Finance, an EFG Holding company

Mahmoud Badran

Group Head of Finance, EFG Finance, an EFG Holding company

Jinu Johnson

CEO of Tanmeyah for Microenterprise Services

Talal El Ayat

CEO of EFG Corp-Solutions

Ahmed Osama

Chief Risk Officer, EFG Finance, an EFG Holding company

Mohab Shawky

CEO of EFG SME

Ahmed Magdy

Legal Director, EFG Finance, an EFG Holding company