Orbii

Orbii is a Riyadh headquartered fintech infrastructure company founded in 2024 by Nauman Ali, Guillaume Kieffer, and Nasara Mughal, a team with deep backgrounds in data science, machine learning, and artificial intelligence who previously solved complex challenges at household-name financial institutions. The platform addresses the historically slow, manual, and risk-prone process of SME lending in the MENA region, where the vast majority of small businesses remain underserved by formal credit, by providing a modular AI-powered credit infrastructure that integrates directly via API into the existing systems banks, fintechs, and B2B platforms already use, including point of sale terminals, ERP systems, and digital banking channels, enabling them to launch, test, and manage lending products without building a credit function from scratch. Orbii's core capabilities include AI-driven credit decisioning that converts raw bank statement and transactional data into explainable lending decisions in seconds, automated underwriting and loan disbursement, borrower behavioral risk profiling including cash runway, credit signals, and repayment capacity analysis, real-time loan monitoring, and collections tooling, all accessible through a single API that covers eligibility to collections. The company operates across Abu Dhabi, Dubai, and Riyadh, currently supports more than 19 fintech teams across the GCC, has powered credit products reaching over 5,000 businesses, and processed thousands of applications and millions of dollars in approved loans since launch in 2024. Its September 2025 seed round of 3.6 million dollars led by Prosus Ventures is being deployed toward scaling engineering and data science teams, deepening integrations with regional financial systems, and achieving its target of powering 1 billion dollars in SME loans by 2026.