Platforms want to offer financing. They are not lenders.
Embedded lending infrastructure
The lending engine behind embedded finance
omnifinance is the financing layer of the Interpay & Mirnah group. When a platform offers its customers financing, the credit and the risk behind it sit with omnifinance.
A model built for platforms and capital partners, not a consumer product.
Platform checkout · what the customer sees35,000· 4 instalments
Accept financingRequestStrategic partnersOffer
SurfaceOwns the customer
RailsMoves the money
Credit engineBook & risk
- Facility
- 35,000
- Decision
- Approved · in-flow
Background
Why omnifinance exists
Three sentences, in order — where trade already happens, what platforms run into, and where the credit sits.
omnifinance is the lending layer built into the stack.
Businesses trade on platforms.
What we do
Credit as infrastructure
Embedded lending is financing offered inside a platform. The platform runs the experience. The credit and the capital behind it sit with omnifinance.
Financing & balance sheet
The capital behind every financing offer on the platform. The lending risk sits with omnifinance, so platform partners never carry it.
Credit decisioning
Credit decided where trade already happens. Financing that scales with the platform, not with a branch network.
Risk & underwriting
Risk management, reporting and controls built to earn the confidence of partners and reviewers.
How it works
Who does what
The customer sees a single financing offer. Behind it, each entity holds its layer: experience, payments, credit.
A platform partner makes the offer
Financing appears inside the partner's own journey, under the partner's own brand.
Platform partnersInterpay carries the flow
Money moves on the same rails the ecosystem already runs on.
omnifinance stands behind it
The credit and the capital sit with omnifinance. Partners offer financing without becoming lenders.
Ecosystem
Meet the group
Mirnah
The group's unified commerce platform. Where trade happens — and where the group first sees it.
Interpay
The group's payments company. Where the money moves.
omnifinance
The group's financing layer. Where the credit lives.
Partner with us
Three entities today. Room for more.
Why it matters
One structure. Three audiences
The group already owns the storefront and the rails. omnifinance is the layer that turns that ownership into a credit business.
For platforms & FMCG brands
Financing under your brand, risk off your book
Offer credit terms inside your own journey. The credit and the risk sit with omnifinance. You stay a platform, not a lender.
For banks & capital partners
A disciplined route into trade credit
Facilities originate where trade already happens, with the discipline and reporting banks expect.
For the group & its investors
Lending that compounds the ecosystem
Financing decided on trade the group can already see. A flywheel: more trade, more financing, more trade.
Governance & trust
Trust is the product
In this model, one entity stands behind the credit. Its policy, reporting and roles are clear at a glance.
Underwriting discipline
One credit policy governs every decision. No exceptions.
Transparency
Capital partners always know how the portfolio is performing.
Clear structure
Each company in the group holds one role. omnifinance holds the credit.
Leadership & backing
An experienced credit team, answerable to the group's board.
| Counterparty | Type | Date | Amount |
|---|---|---|---|
| Al Waha Trading Co | Term | 12 Mar | 348,250.00 |
| Najd Distribution | Trade | 12 Mar | 512,900.00 |
| Red Sea Logistics | Invoice | 11 Mar | 176,400.00 |
| Tabuk Foodstuffs | Trade | 11 Mar | 249,780.00 |
| Al Amal Supplies | Term | 10 Mar | 683,150.00 |
Partner with us
Put a lending engine behind your platform
Bring the platform or the capital. The credit capability and the lending risk sit with omnifinance.
Platform partners
Embed financing under your own brand without becoming a lender.
Capital partners
Put capital behind financing that happens where customers already transact.