Flend and Khazenly Announce Strategic Partnership to Provide Fast, Fair, and Flexible Financing for E-Commerce Merchants of up to EGP 8 Million

Cairo, Egypt-January 2026

Flend, Egypt’s first licensed digital non-bank financial institution dedicated to supporting small and medium enterprises (SMEs), and Khazenly, Egypt’s on-demand logistics and fulfillment provider for e-commerce entrepreneurs, today announced a strategic partnership aimed at empowering Khazenly’s merchant base with seamless access to fast, fair, and flexible digital financing solutions of up to EGP 8 million per financing ticket.

This partnership marks a significant step in shaping the next phase of Egypt’s digital and economic transformation.

By embedding financing directly into a logistics and fulfillment platform used daily by e-commerce merchants, Flend and Khazenly are redefining how SMEs access capital, moving from traditional, fragmented processes to an integrated, data-driven experience that enables businesses to grow, scale, and compete more effectively in the digital economy.

Through this collaboration, Flend will provide tailored SME financing solutions to Khazenly merchants by leveraging sales, fulfillment, and shipping data available on Khazenly’s digital platform.

This data-driven approach allows for more accurate credit assessment and delivers financing that reflects merchants’ real operational performance and growth potential.

Khazenly will offer its merchants access to financing solutions powered by Flend and embedded seamlessly within its logistics ecosystem.

Merchants can finance inventory, fulfillment, delivery, and day-to-day working capital needs directly supporting business continuity and scale from a platform they already rely on to run their operations.

The financing journey is fully digital end-to-end, with approvals in as little as three days, electronic contracts, and no physical branch visits, enabling merchants to access capital quickly, transparently, and efficiently without disrupting their day-to-day business.

“Flend was built to finance businesses that traditional models overlook,” said Ahmed Zaki,Co-Founder and CEO at Flend. “By leveraging real operational data and integrating directly into Khazenly’s platform, we unlock access to capital for merchants who are growing but previously underserved.

This partnership allows us to deliver fast, fair, and flexible financing that fuels real business expansion, not just short-term liquidity.”.”

Osama El Jammali, Co-Founder and CCO at Khazenly, added: “Our role extends beyond logistics. E-commerce merchants need speed, reliability, and financial flexibility to scale sustainably.

Through our partnership with Flend, we are offering our merchants smart financing solutions that are fully aligned with their operational cycles, enabling them to invest, grow, and compete more effectively.”

Khazenly provides on-demand logistics solutions for e-commerce entrepreneurs across Egypt, including storage, order fulfillment, last-mile delivery, and cash collection. Its technology-driven platform delivers a streamlined and transparent customer experience, enabling merchants to manage operations efficiently while focusing on growth and customer satisfaction.

Flend provides digital, data-driven financing solutions for small and medium-sized enterprises across Egypt. By leveraging real business performance data, Flend enables fast, fair, and flexible access to working capital through a fully digital financing experience that includes rapid approvals, electronic contracting, and seamless repayment allowing SMEs to access capital efficiently and focus on sustainable growth.

Both companies emphasized that this partnership reflects a shared long-term vision of enabling Egyptian SMEs to thrive by combining operational excellence with responsible, data-driven financing. By supporting business expansion, job creation, and digital adoption, the collaboration contributes directly to strengthening Egypt’s e-commerce ecosystem and accelerating broader economic growth.

The signing ceremony took place at the Creativa Innovation Hub at Sultan Hussein Kamel Palace an affiliate of the Ministry of Communications & Information Technology.