BuildFi pays MENA construction subcontractors against their certified progress claims in 24–72 hours. We collect from the general contractor on the contractual due date. The cash exists in the system. The timing is broken. We fix that.
MENA is in the middle of a $1.5 trillion construction super-cycle — Vision 2030, NEOM, D33, Qiddiya, Red Sea, Mukaab. A generational build-out measured in decades, not quarters. And yet the SMEs who physically build it wait 120 to 270 days for cash they have already earned.
Banks underwrite SME balance sheets, not general-contractor counterparty risk. Digital factoring platforms still demand personal guarantees and 1–2 weeks. Supplier credit doesn't touch the labour and overhead leg of a sub's billings. The structural answer — long-tenor unfunded receivables — has a name: the timing gap.
BuildFi closes that gap with a product built for how construction actually works: an instant Sharia-compatible cash advance to the sub, secured by a Hawala assignment of the GC payment right and routed through a Controlled Collection Account.
Two co-founders active. Senior CEO, General Counsel and Head of KYC/AML & Compliance — all industry veterans — signed at pre-seed close on a phased start aligned to FSRA RegLab admission. Profiles released to investors under NDA.
AI/risk-engine architecture. Owns the Alternative Data Engine and legal-data integrations (DLD, RERA, ADGM Courts, ADJD, Dubai Courts, Lean, Tarabut). Profile under NDA.
GCC construction supply-chain network. Main-contractor and developer relationships. Deal structuring and partner-side sales for GC cooperation agreements. Profile under NDA.
MENA private-credit / construction-fintech leadership. Institutional-LP credibility. FSRA / DFSA regulatory relationships. Equity grant from 20% pre-money ESOP pool.
UAE construction law plus financial services. PDC civil fast-track and ADGM Courts arbitration track record. Counsel-of-record relationships across the regional firms.
FATF-aligned onboarding. Sanctions and PEP screening. Transaction monitoring tuned to construction-receivables typologies. RegLab and Cat 3C-ready from Day 1.
Pre-clears Tawarruq + Hawala templates. Annual Sharia audit. Quarterly transaction review. Late-charge purification per AAOIFI Standard 30.
The certified IPC and the GC payment undertaking are the credit. Sub balance-sheet signal is secondary.
Pre-cleared by our Sharia Advisory Board before a single line of code. Tawarruq + Hawala — not a retrofit.
GC payments land directly in BuildFi's Controlled Collection Account. No advance without the routing instruction in place.
ADGM FSRA RegLab first. Cat 3C FSP second. SAMA Sandbox third. We scale only behind licences that bind.
Confidential. Indicative only. Not an offer or financial promotion. Restricted to Professional Clients (ADGM FSRA definition) or equivalent accredited investors. Capital is at risk.