SMEs. UPFRONT – Platform for bond investors

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UPFRONT

Fixing the cash flow for MENA's SMEs.

UPFRONT builds a financial operating system that syncs with accounting software to give SMB owners real‑time cash‑flow analytics and automated receivables and payments. Its subscription‑plus‑transaction model helps small businesses reduce Days Sales Outstanding and unlock working capital.

The Dubai‑based startup launched in May 2025 and has just raised a $10 million pre‑seed round, a mix of equity and debt, co‑led by Palm Ventures and SABAH.fund with participation from angel investors.

Co‑founders Anas Q., Abdullah Alghadouni, and Mahmoud Abdel-Fattah Moursy plan to use the funding to build out the platform, hire engineers, and expand operations from the UAE into Saudi Arabia.

They point to a $250 billion financing gap for MENA's SMBs and believe better invoicing and collections tools will close it. Upfront's system also aims to automate invoice discounting and integrate embedded payment options. With cash‑flow inefficiency the top growth bottleneck for regional SMEs, this is an opportunity to modernise the backbone of the economy.

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