Valu Launches Egypt’s Largest Fintech Securitisation with EGP 1.1B Deal

Editorial Team

Last updated 18-12-2025

3 min

Valu has completed a securitised bond issuance worth EGP 1,1 billion with EFG Hermes.

This marks the first transaction under Valu's ambitious EGP 10 billion securitisation programme.

The bond features a straightforward structure with two fixed-rate tranches and an 18‑month tenor.

Valu's continued growth in Egypt's fintech market reflects strong investor confidence.

Amazon's stake in Valu demonstrates international confidence in Egypt's digital finance potential.

Valu has wrapped up its 20th securitised bond issuance, closing a deal worth EGP 1.1 billion in partnership with EFG Hermes. What makes this one stand out isn’t just the size, but the fact that it’s the first transaction under Valu’s new EGP 10 billion securitisation programme — a hefty move even by Egypt’s fast‑growing fintech standards.

The issuance is backed by a receivables portfolio assigned to EFG for Securitization, the special purpose vehicle handling the deal. It comes with an 18‑month tenor and is split into two fixed‑rate tranches, keeping things relatively straightforward for investors who prefer clarity over complexity — and believe me, plenty do. I’ve seen founders in our Arageek circles lose hours trying to untangle similar structures; a bit of a faff, really.

Karim Riad, Valu’s CFO, described the closing as another milestone in the company’s growth, noting that investor confidence continues to hold strong as Valu expands its footprint in Egypt’s fintech space. On the flip side, Maie Hamdy, who leads Debt Capital Markets at EFG Hermes, highlighted the long-running partnership between the two firms and said the deal reflects both the quality of Valu’s portfolio and the appetite it still attracts from the market.

EFG Hermes played its usual all‑rounder role — financial advisor, transaction manager, bookrunner, underwriter, arranger — you name it. AAIB and ABK also came in as underwriters, with AAIB acting as custodian. Dreny & Partners handled the legal side, while Baker Tilly stepped in as auditor.

For those who don’t follow Valu closely, the company has grown from its early Buy‑Now‑Pay‑Later push to a broad financial technology platform, even becoming the first consumer-finance‑focused fintech to list on the Egyptian Exchange. Amazon also holds a direct stake, which I reckon speaks volumes about how global players view Egypt’s digital finance potential. And believe it or not, some of the earliest entrepreneurs I met when I started writing for Arageek were using Valu’s instalment options to furnish tiny coworking corners — one of them still jokes that their entire office was “built on BNPL.”

Today, Valu offers everything from long-term instalment plans to investment products, instant cash options, luxury financing and business solutions. The company even launched prepaid and co-branded Visa cards to broaden its payment ecosystem. It’s not short on ambition, that’s for sure… well, I mean, sometimes it feels almost too much, but spot on for a market hungry for flexible financing.

As for EFG Holding, its investment banking arm — EFG Hermes — continues to cement its role as a major dealmaker across the region. With operations spanning seven countries and activities from asset management to SME financing, the group remains a key player in shaping how financial products reach businesses of all sizes.

This latest issuance, by all accounts, signals ongoing momentum in Egypt’s securitisation space. And despite the usual market uncertainties, both institutions seem chuffed to bits with the outcome. It’ll be interesting to see how quickly the rest of that EGP 10 billion programme gets deployed — definately a space to watch.

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