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About us

Creditum is a subsidiary of RFM Loyalty Co and is a fintech company dedicated to reshaping the way SMEs access financing. By leveraging advanced data analytics, we’ve created a smarter, more efficient lending marketplace. Our platform connects businesses with a network of trusted lending partners, offering tailored financial solutions that align with each business’s unique needs.

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Whether it’s loans on POS, merchant cash advances, or invoice financing, we make the process fast, transparent, and hassle-free.

Our Vision

To become the go-to platform for SME financing across the GCC, empowering businesses to unlock their full potential with ease and confidence.

Our Mission

At Creditum, our mission is to empower small and medium-sized enterprises (SMEs) by providing fast, flexible, and accessible financing solutions.

 

We understand the unique challenges faced by businesses in the GCC, particularly the persistent funding gap that holds many SMEs back. That’s why we’ve built a platform designed to bridge that gap and provide businesses with the capital they need to thrive.

Our Objectives

Offer Data-Driven Lending.

Our advanced risk-scoring algorithms use real-time payment data to offer customized financing solutions that traditional banks can’t match.

Always a Fast, Reliable, and Flexible Solution.

With our innovative platform, businesses can access funds quickly, with flexible repayment options based on daily sales.

To Offer a Trusted Network of Lending Partners.

We’ve partnered with a network of leading lenders to offer SMEs competitive, transparent, and tailored financing options.

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RFM Loyalty Co. owns and operates a vast network of credit card terminals across the UAE, processing Visa, Mastercard, and Amex transactions through FAB bank. With over 10,000+ terminals and more than AED 18 billion in annual card transactions, the company is a key player in the region's payment processing industry.

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Founded in 2002 and expanding to the UAE in 2007, RFM Loyalty Co. has grown steadily, becoming an established entity in both the payment and loyalty sectors. In addition to the extensive payment network, the company designs, launches, and manages comprehensive loyalty programs that help businesses build stronger customer relationships.

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With expertise in POS terminal network development, merchant management, and loyalty program operations, RFM Loyalty Co. continues to drive innovation and growth for businesses across all Emirates.

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