Abhi
Fintech offering earned wage access, invoice factoring and SME financing in Pakistan, the UAE, Saudi Arabia and Oman, with global headquarters in Abu Dhabi.
Industry: Earned wage access and SME financing | Location: Abu Dhabi, United Arab Emirates | Founded: 2021 | Total Funding: USD 32M
About Abhi
Abhi is a fintech company that offers earned wage access, which lets employees draw part of their earned pay before payday, together with SME financing and invoice factoring. The company lists markets in Pakistan, the United Arab Emirates, Saudi Arabia and Oman and gives its global headquarters as Abu Dhabi, with offices in Karachi, Dubai, Riyadh and Muscat.
Abhi was founded in Pakistan in 2021 by Omair Ansari, who is chief executive, and Ali Ladhubhai. It began as an earned wage access platform and took part in the Y Combinator Summer 2021 batch and in a Hub71 cohort, according to its website. Earlier products also included payroll processing and payroll financing, and the site now lists a mobile app, a white-label offering and a real-world-asset private credit product developed with ZIGChain.
The company said it had more than 550 enterprise clients by 2023. In May 2024 Arab News reported more than 1,000 client companies and more than 750,000 employees served. Wamda reported in October 2024 that Abhi had provided about USD 55 million in earned wage access to workers in the UAE across about 545,000 transactions.
Abhi announced a partnership with Alraedah Digital Solutions in May 2024 to launch services in Saudi Arabia, with Alraedah reported to provide USD 200 million over three years. Its website says Abhi and TPL jointly acquired FINCA Microfinance Bank in Pakistan, later renamed Abhi Microfinance Bank, and that it issued a PKR 2 billion sukuk. In December 2025 LuLu Exchange announced a partnership to give UAE workers early access to wages and remittance services. The site lists a 2026 partnership with NymCard for UAE SME credit and with Red Sea International for earned wage access in Saudi Arabia.
DealStreetAsia reported in April 2022 that Abhi raised a USD 17 million Series A at a USD 90 million valuation. In October 2024 Wamda reported a USD 15 million credit financing co-led by Shorooq Partners and Amplify Growth Partnership. The site also reports Shariah approval of its earned wage access product in September 2026.
Leadership
- Omair Ansari, CEO and Co-founder
- Ali Ladhubhai, Co-founder