Comfi

Comfi is a business-to-business embedded finance platform headquartered in the United Arab Emirates that provides working capital to small and medium-sized enterprises. Its core proposition is to let SME suppliers extend payment terms of up to 90 days to their business customers while the supplier itself is paid within about 24 hours, with Comfi taking on credit risk and payment collection.

The company markets three products: invoice discounting, which converts outstanding invoices into immediate cash; B2B Buy Now Pay Later, under which Comfi funds the supplier and manages collections from the buyer; and automotive dealer financing, which releases capital tied up in vehicle inventory. Funds are disbursed directly to the client's bank account with no restrictions on use, and repayment is structured over 30, 60 or 90 days in two to three installments. Onboarding requires four documents — trade license, six months of bank statements, the Emirates ID of the key signatory and the memorandum of association — with a credit limit issued in roughly four hours and funds released shortly after invoice upload. Comfi states it charges no processing fees and discloses service charges upfront.

Comfi serves customers across sectors including automotive dealerships, food and beverage, construction, professional services, electrical and appliances wholesale, IT solutions and services, industrial equipment, agriculture wholesale and healthcare.

Founding story

Comfi was founded in 2023. According to the company, founder Sanjar (Sanjar Samiev) encountered the problem while building a manufacturing business and managing supply chains end to end, observing that regional suppliers invested heavily upfront to fulfil orders for large buyers and then waited months to be paid, while banks and financial institutions allocated only 9.5% of total lending facilities to SMEs. The company was established by Sanjar Samiev, Alisher Akbarov, Amal Abdullaev and Denis Gavrilin, a team with backgrounds spanning fintech product growth, operations scaling and engineering.

Business model

Comfi embeds financing directly into B2B transactions: it pays SME suppliers upfront against invoices and collects from the buyers over extended terms, absorbing the credit risk and collections workload. Products span invoice discounting, B2B BNPL and automotive dealer financing.

The company states pricing is transparent with zero processing fees and service charges disclosed upfront; financing is repaid over 30, 60 or 90 days in two to three installments.

Traction

As of the company's 2026 disclosures, Comfi reports more than 1,000 SME clients supported, over 15,000 invoices financed, AED 1.1 billion or more in transaction volume processed, and work with more than 4,000 finance leaders. The company says partnered SMEs see average sales growth of 30%.

Latest developments

In April 2026 Comfi announced a $65 million pre-Series A round combining equity and debt, led by Iliad Partners with Yango Ventures and Raw Ventures, plus a credit facility from Partners for Growth and a mezzanine facility structured by Shorooq with a family office participating. Proceeds are earmarked for scaling underwriting and risk capabilities, expanding the product offering and growing in key regional markets.