Omnispay, a UAE-based fintech focused on payments and cash-flow tools for small and medium-sized enterprises, has raised $2 million in a Pre-Series A round led by Infinity Value Capital Group, the company said.
The fresh capital will fund product development and expansion as omnispay shifts from its initial pitch of faster merchant settlements to what it describes as an “AI-native” finance platform offering integrated “Collect, Pay and Borrow” workflows, according to the statement.
Omnispay said it gained early traction by reducing payout times to about 24 hours, compared with an industry standard of 5–7 days, and is now adding embedded credit alongside payments and analytics to help SMEs manage liquidity as they scale.
Over the past 12 months, omnispay said it doubled its customer base and quadrupled processing volumes.
It added that revenue rose 5.5 times while operating expenses increased 2.2 times, and reported a Net Promoter Score above 60, pointing to strong customer retention and product-market fit.
“This investment accelerates our transition to an AI-native SME finance platform,” Vimal Kumar, co-founder and chief executive, said in the statement, adding the company aims to make cash flow a “strategic advantage” for small businesses.
The company said its proprietary AI risk engine, called ARIES, supports real-time transaction monitoring and dynamic credit decisioning, underpinning its expansion from settlements into a broader platform that combines payments, analytics and working-capital access.
Omnispay cited a customer case study, saying project management firm GForm used next-day settlements to ease liquidity constraints and later tapped omnispay-facilitated working capital to fund a physical expansion, opening a new branch and extending its service footprint.
“Seeing our merchants transition from surviving day-to-day cash flow cycles to actively funding their next physical expansion is the ultimate validation of our product vision,” said Praveen Kiran, co-founder and chief product officer.
Looking ahead, omnispay said it plans to expand further across the Gulf, with partnerships supporting entry into Saudi Arabia.
The round size is small, but omnispay is tackling a structural friction point for SMEs in the GCC: delayed settlements that can force businesses to self-fund payroll, inventory, and supplier payments while waiting for card or platform payouts.
If omnispay can pair faster payouts with disciplined underwriting via its risk engine, it could increase merchant stickiness and unlock higher-margin lending revenue.
The trade-off is that moving from payments into credit typically raises capital intensity and regulatory complexity, especially as the firm enters larger markets such as Saudi Arabia where distribution partnerships and risk performance at scale will matter as much as product speed.
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