A company that provides financing solutions in markets where traditional credit is not readily available.

Zayn Capital

At Zayn Capital we are building for the next generation. 

Founded by Faisal Chowdhry, an ex-Goldman Sachs lifer, in 2020, Zayn Capital has been focused on investing, advising and helping to structure transactions across the UK and Emerging Markets.  

Today, Zayn Capital provides access to scalable credit solutions for Fintech and embedded finance lending platforms in emerging markets to increase access to capital in a fair and transparent way.

Our goal is to spur growth in emerging economies by focusing on providing financing for responsible, fair and sustainable lending, all while aiming for impactful returns for our investors.



With #Eid fast approaching, it's hard not to notice the sheer amount of livestock getting ready for the big day!

It also begs the question: how do farmers #finance livestock?  How could access to credit effect the velocity of capital in the direction of farmers?

Some interesting facts:
	• Last year, Pakistanis spent a staggering $2.5 billion on sacrificial animals for Eid ul Adha
	• Most of the sacrificial animals come from local farms and villages across Pakistan. These animals are raised by rural farmers who depend on livestock as a primary source of income. 
	• Often cattle are purchased by middlemen and traders from farms which allows the farmers to liquidate their assets.
	

Would love to hear about efforts to use #capitalforchange for small farmers.  Tag solutions below!

Photo by Taylor Brandon on Unsplash

The fintech ecosystem in Pakistan today is primed for disruption. Over the past couple of years we have witnessed new solutions arising to solve for inclusion and access.

We believe that every invention has a legacy of innovation behind it that allows us to continue creating greater impact. Keeping that in mind, we decided to look back at the regulations introduced by the State Bank of Pakistan (SBP) and the early success of fintech startups -  such as Easypaisa (Telenor Microfinance Bank Limited), JazzCash and Keenu - to understand that legacy of impact. This is a retrospective on the early years of disruption, from 2008-2018. 

Scroll through and let us know if there are any key events that you would include in this timeline.

#capitalforchange #legacy #impact #fintech #pakistan #banking #timeline

Friday Gratitude.

It’s been an incredible week, Karachi-Dubai-Lahore. I’m grateful for all the people, friends, family and colleagues who never stop showing up. Whether it’s support for our new private credit effort for fintechs in Pakistan, or just checking in to see how “I’m doing”, it’s been awesome. I hope I can pay it forward by showing up for others. 

The most important capital is often not $. 

Zayn Capital
#capitalforchange

Photo credit: Harsh Gupta on Unsplash

Congrats to Jad Antoun and team Huspy.  Proud to be a supporter amongst such esteemed allocators!

#capitalforchange

Besides pure good old fintech lending to consumers and businesses, we have been exploring private credit opportunities in embedded finance lending, which is often industry or vertical specific, and can help create a broader reach for credit.

Embedded finance seamlessly integrates financial services into non-financial platforms and apps to provide convenient access to financial products and services within everyday activities or business processes.

For instance, Trukkr a fintech platform for logistics, provides carriers with loans for their business directly within their logistics platform.  

Another example is iFarmer  a technology company based in Bangladesh, which integrates financial services into its platform to facilitate credit for farmers.

Other examples of embedded finance include embedded banking, where non-financial platforms are provided with the ability to give their customers access to financial services, such as cards, bank accounts, lending and payments.  For example, Neem!

We found this article by Tom Sullivan helpful to learn more about embedded finance: https://lnkd.in/euvZ2SEd

#embeddedfinance #capitalforchange

Mastercard and Abhi (YC S21) Collaborate to Fuel UAE’s Financial Landscape

“Mastercard is committed to leveraging cutting-edge technologies to develop new payment solutions that offer unprecedented convenience and security, with the aim of enhancing consumer experience and driving financial inclusion. With innovation and efficiency at its heart, our latest partnership with ABHI connects the fintech pioneer’s customers to our extensive global payments network, providing them with a whole new level of flexibility,” said Gina Petersen-Skyrme, VP and Country Business Development Lead, UAE & Oman at Mastercard.

https://lnkd.in/erUgih4U

Omair Ansari 

#fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

Metric
Company Name	Zayn Capital
Symbol
MSH ID	COM:ZAYNCAPITAL
Market	PRIVATE
Sector	Financial Services & Finance
Industry	Alternative Financing
Country	US
Stage
Employee Count	2
Website	zayncapital.com
LinkedIn	zayn-cap
Founders

Metric
Market Cap
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue
Revenue (LTM)
Revenue (NTM)
Gross Profit
EBITDA
Operating Income
Net Income
EPS
Diluted EPS
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin
Operating Profit Margin
EBITDA Margin
Net Profit Margin
Return on Equity
Return on Assets
Return on Capital Employed

ZAYN

COM:ZAYNCAPITAL

Zayn Capital

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio
P/B Ratio
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio
EV Multiple

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover

Metric
Operating Cash Flow
Free Cash Flow
Cash Flow to Debt
Operating Cash Flow/Sales
Free Cash Flow Yield

Metric
Cash & Equivalents
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization
Debt to Assets
Current Ratio
Quick Ratio

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue