ComfiB2B buy now, pay later for SME suppliers in MENA

B2B buy-now-pay-later for trade finance sounds niche until you examine the numbers. SMEs in the UAE routinely wait 60-90 days for invoice payment, and traditional trade finance from banks requires collateral and weeks of processing. Comfi's 800+ clients in F&B and healthcare suggest the product addresses genuine working capital pain.

The $7.5 million is early-stage capital for what is fundamentally a lending business, meaning growth is constrained by ability to secure debt facilities. The vertical focus is smart — F&B and healthcare have predictable cash flow patterns that make credit risk more tractable. The risk is concentration: a downturn in either sector hits the portfolio disproportionately.