One SME Platform. Infinite Possibilities.
Run your entire business across banks on one intelligent platform—payments, liquidity, and insights in one place.
Total Financial Control Across All Your Banks
Built on UAE Open Finance standards, GrowX securely connects your banking relationships into one regulated, unified control layer. Gain real-time visibility, consolidated liquidity insight, and operational clarity across all accounts.
Multi-Banking (Open Finance Connected)
Securely connect and manage all your UAE bank accounts through regulated Open Finance APIs.
Real-Time Balances
View consolidated cash positions across banks with live balance synchronization.
Unified Dashboard
Access cash, payables, receivables, and liquidity in one intelligent command centre.
Smart Reconciliation
Automatically match bank transactions with invoices and ledger entries for audit-ready accuracy.
All Payments. Domestic & Cross-Border.
Execute payments across UAE banking rails and international networks with full transparency, compliance, and control. Designed to align with local regulatory frameworks while supporting global scalability.
Domestic & Cross-Border
Send and receive payments across UAE banking rails and international corridors seamlessly.
Card Acquiring
Accept online and offline card payments with integrated settlement and reporting.
Payroll & Bulk Payments
Execute compliant bulk payouts to employees and suppliers directly from connected bank accounts.
Real-Time Payments (RTP)
Initiate and receive instant account-to-account and card payments with immediate confirmation and settlement.
Bank-Integrated Cloud ERP
Run your core financial operations on an ERP system that is natively connected to your banking layer, eliminating manual work, reconciliation gaps, and disconnected financial data.
Invoicing & Billing
Create professional invoices synced directly with your bank transactions.
AR / AP Management
Track receivables and payables with real-time status visibility.
Financial Reporting
Generate real-time P&L, balance sheet, and cash flow reports instantly.
Value-Added Add-Ons (CRM & HRMS)
Extend your platform with integrated CRM and HRMS modules to manage customers, teams, and operations seamlessly.
Your AI-Powered Financial Co-Pilot
Leverage artificial intelligence to forecast cash flow, optimize liquidity, and interact with your financial data through natural language. GrowX transforms financial data into actionable insight.
Cashflow Forecasting
Predict future liquidity based on real transaction patterns and operational behavior.
Liquidity Insights
Receive AI-driven recommendations to optimize working capital and cash deployment.
Expense Intelligence
Identify spending trends and cost-saving opportunities automatically.
Conversational Finance
Ask questions like “How much cash do I have across banks?” and receive instant answers with smart alerts built in.
GrowX as a White Label Solution (BaaS)
GrowX enables banks to launch a complete SME operating platform under the bank’s brand. Delivered as a secure cloud solution with strong data segregation, flexible operating models, and future-ready enhancements aligned to regulatory change.
Out-of-the-Box SME Platform
Enable SME operating solutions for clients with minimal build effort.
Bank Branding & UI Control
Deliver the experience fully branded to the bank’s requirements.
Cloud Delivery with Data Segregation
Cloud-based solution with virtual segregation of bank and customer data.
Flexible Operations & Commercial Model
Bank can run operations or outsource to GrowX, with flexibility to define SME charges and add optional third-party services.
Trusted. Regulated. Secure by Design.
GrowX operates within the UAE’s regulatory framework, delivering secure, compliant Open Finance solutions built on bank-grade infrastructure. The platform is designed to align with evolving regulatory requirements while maintaining enterprise-grade performance, resilience, and security.
UAE Open Finance Aligned
Built in alignment with UAE Open Finance standards and regulatory frameworks.
ISO & Security Controls
Enterprise-grade security architecture with structured access, audit, and control layers.
API-First Architecture
Modular, scalable APIs enabling clean integration with banks, partners, and third parties.
Bank-Grade Infrastructure
High-availability infrastructure built for performance, resiliency, and scale.
Data-Driven SME Financing. Built on Consent.
GrowX connects SMEs with financing partners through secure, consent-based data sharing. By combining real-time banking data with ERP insights, we enable faster underwriting, smarter risk assessment, and scalable access to capital.
Financing Partner Network
GrowX partners with leading SME financing companies to deliver working capital, trade finance, and structured credit solutions.
Consent-Based Data Sharing
SMEs securely authorize data access, enabling transparent and compliant information exchange under Open Finance principles.
ERP + Bank Data Intelligence
Integrated ERP and banking data provide real-time cashflow visibility, improving credit assessment and accelerating underwriting decisions.
Partner With GrowX
Financing institutions can integrate with GrowX to access verified SME data, expand distribution, and scale underwriting efficiently.
One Platform. One System.
GrowX unites SMEs, banks, lenders, and insurers within a regulated Open Finance ecosystem—eliminating fragmentation across banking, payments, ERP, and financial services. One secure system. One source of truth. Built for real-time data, seamless integrations, and compliant financial operations.
Open Finance Native
Built natively on UAE Open Finance standards with API-first architecture and real-time data connectivity.
SaaS Platform, Not TSP
A software platform—not a third-party switch—delivering faster deployment, lower cost of ownership, and full operational control.
Bank-Led, Regulator-Aligned
Designed in collaboration with banks and aligned with regulatory frameworks for secure, compliant integration across the UAE and beyond.
Built for the SME Ecosystem
GrowX serves the complete spectrum of stakeholders in small and medium business finance — from the businesses themselves to the institutions that serve them. Our platform creates value at every point in the ecosystem.
SMEs
One cockpit. All your banks. All your operations.
Stop switching between portals and spreadsheets. GrowX gives you a unified view of your entire financial position across all banking relationships, payment channels, and financial services.
- Multi-banking dashboard with real-time balances
- Payments & collections across all channels
- Card acceptance and merchant services
- Credit & insurance at point of need
- Cash-flow intelligence and forecasting
Financial Institutions
Serve SMEs digitally — without building the complexity.
Lenders & Insurers
Embedded distribution at the point of need.
Everything SMEs Need — In One Regulated Platform
Multi-Banking
Manage accounts across multiple institutions from one dashboard—view balances, initiate transfers, and reconcile transactions in real time.
Payments
Process domestic and cross-border payments via UAEFTS, SWIFT, and emerging networks with bulk, request-to-pay, and real-time settlement.
Card Acquiring
Accept card payments in-store, online, and mobile—with competitive rates, instant settlement, and full PCI-compliant fraud protection.
Business Operations
Manage invoicing, expenses, payroll, and accounting—integrate existing tools or use our built-in financial management.
Embedded Finance
Access credit, trade finance, and insurance products instantly—embedded in your workflows with real-time decisioning.
Intelligence & Forecasting
AI-powered cash flow forecasting, spending analytics, and financial insights help you make better business decisions and plan for growth.
Our Team
Mike Nagavalli
Co-Founder- With 30+ years managing corporate banking digital channels
- Led digital channel transformation at various banks
- Expertise in Cash management and Trade products
- Experience in channel on-boarding and support
- Mike held leadership roles at Bank of America, America, Wells Fargo, RBS, and First Abu Dhabi Bank
Raju Adnani
Co-Founder- Payments and digital banking leader with 25+ years of experience across global financial institutions.
- Led the delivery of large-scale payment infrastructure solutions for corporates, SMEs, and e-commerce platforms across multiple markets.
- Most recently served as Head of Domestic Payments for the Middle East and Africa (MEA) at Citi, overseeing payment strategy and execution across 29 markets from Dubai.
Arul Kumar
Chief Technology Officer- With 25+ years experience driving AI-powered, cloud-native and real-time financial infrastructure
- As Chief Architect at NPCI, scaled India's digital payment backbone UPI
- Powering billions of secure transactions daily
- Expertise spans engineering, AI, business and human capital
The SME Financial Operating System
Stop juggling disconnected systems and operate from a single intelligent financial platform. GrowX unites banking, payments, credit, insurance, and intelligence in one place—providing SMEs, banks, and lenders the infrastructure to thrive in the Open Finance era.
Ready to Transform Your Financial Operations?
Join the businesses and financial institutions already building on GrowX. Our team will work with you to understand your needs and design the right solution.
All Payments. One Intelligent Platform
The future of payments is intelligent routing—optimizing speed, cost, and reliability. GrowX unifies traditional and emerging payment networks in one secure, compliant platform, routing every transaction through the optimal channel.
Bank Transfers
UAEFTS domestic transfers and SWIFT for international payments.
Card Networks
Accept and process payments across all major card networks.
Digital Rails
Emerging payment methods including compliant stablecoin options.
SME Recipients
Instant settlement into business accounts.
Traditional Payment Rails
- UAEFTS for domestic UAE transfers
- SWIFT for international payments
- Bulk payment processing and reconciliation
- Real-time gross settlement support
Next-Generation Infrastructure
- Card acquiring with competitive rates
- Request-to-pay and EIPP integration
- Compliant stablecoin settlement (optional)
- API-driven payment orchestration
Built for Bank Economics
Financial institutions choose GrowX because we understand bank economics at scale. Our platform delivers measurable impact—reducing operational overhead, accelerating SME onboarding, and increasing low-cost deposit growth. Designed to align with regulatory frameworks while improving cost efficiency and revenue expansion across SME portfolios.
42%
Faster SME Acquisition
Reduce time-to-account from weeks to hours with digital onboarding and automated compliance checks. Launch SME banking services in months, not years.
70%
Lower Cost-to-Serve
Automation and self-service reduce manual processing, call center volume, and back-office operations. Serve more customers with the same resources.
AED 50-100M
CASA per 10,000 SMEs
Multi-banking aggregation and intelligent financial services drive significant deposit growth. Turn SME relationships into valuable funding sources.
Data-driven growth without platform debt.
GrowX gives you the economics of a modern digital bank without the technical debt of legacy systems or the risks of building in-house.
The Financial Operating System for UAE SMEs.
