What We Do

Tanmeyah: A Partner in Growth

Microfinance Services

Microfinance Services


  • Working capital finance for formal & informal businesses
  • Loans range: EGP 4k-30k
  • Loan tenor: 4-12 months
  • Loan methodology: Individual
  • Loan use: Cash flow and assets


  • For existing formal businesses
  • Loan range L.E. 30k-100k
  • Loan tenor: 6-24 months
  • Loan methodology: individual
  • Loan use: cash flow only


Leveraging our state-of-the-art infrastructure to deliver third party services, including:

  • In-branch Super Fawry machines (payment platform)
  • ATM compatible infrastructure across our branches
  • Micro-insurance services
  • Transfer services via Western Union

Our Financial Services

Micro-Enterprise Lending (MEL)

Micro-enterprises are conventionally defined as small businesses employing 10 people or fewer. These typically are represented in the developing world by small family-owned and operated businesses or cottage industries, employing one or two people (usually from within the family). These micro-enterprises are characterized by their extremely low means, as statistically most who engage in these lie within the poverty line. These enterprises are also outside the formal economy, and are unlicensed serving a small and underprivileged community.

Tanmeyah’s Micro Enterprise Lending (MEL) aims at specifically providing working capital finance to lower income people and is administered on a multi-tier basis. The loan sizes range from EGP 4,000 to EGP 30,000, under a scheme affording borrowers the possibility of moving into a higher loan-tier category if their repayment records are good. Financing is made available to all sectors except for agricultural production, cattle and poultry, fisheries and transportation.

Micro Enterprise Lending is characterized by:

  • Short term lending, varying from minimum 4 months to maximum 12 months
  • Working capital financing
  • Loan size ranges from EGP 4,000 to EGP 30,000
  • Zero collateral
  • Monthly payments
  • Loan disbursement within 48 hours
  • Uses a graduation process
  • Renewal approval within 1 hour

Very Small Enterprise Lending (VSE)

Small Enterprises are also loosely defined as businesses that are comprised of 10 or less employees. However, as opposed to Micro-enterprises, Tanmeyah views very small enterprises as being much more well-established. These in essence, are licensed and formal businesses, which are booked in the commercial registry.


As such, Tanmeyah’s VSE lending product aims at providing immediate liquidity solutions to meet their cash-flow financial needs in the form of loans, to be re-paid in a maximum of two years on equal monthly instalments. The loan sizes range from EGP 30,000 to EGP 100,000 and are tier-based.

Very Small Enterprise Lending is characterized by:

  • Medium term lending, from minimum 6 months to maximum 24 months
  • Cash Flow Financing
  •  Lending amount ranges from EGP 30,000 to EGP 100,000
  •  Zero collateral
  •  Monthly payments
  •  Available for formal and licensed enterprises
  •  Loan approval within one week

A testament to our success

Platform Services

At Tanmeyah, we provide our clients with state-of-the-art technology that helps with all their electronic money management needs, using money-transfer services, card services, and ATMs. Furthermore, we leverage this round-the-clock infrastructure to its maximum potential by offering their usage to third party financial services companies as an outlet for their payment services. This makes Tanmeyah a platform for these companies to reach and access clients who normally would not seek their services. Our technology platform is in use by a number of leading companies such as the Arab African Bank, Fawry, and Western Union. Our platform includes:


In the ATM Atrium at the entrance to Tanmeyah’s branches, full ATM services are offered to its customers. Connected through the 123, VISA and MasterCard networks, the ATMs offer the customers access to all bank accounts in Egypt.

Bill Payments

In conjunction with Fawry, Tanmeyah offers its customers the opportunity to settle all their financial obligations in one place. Payments can be made for the following services:

  • Utilities, gas, water, electricity
  • Top up mobile phones