FOR COMPANIES SEEKING CAPITAL
Seeking capital for a fintech company? Help Cubin understand your financial product, customer economics and operating model across MENA.
No member login required · Optional PDF pitch deck
Distinguish payment volume, assets serviced or transaction value from company revenue. Explain fees, net revenue, gross margin and customer acquisition cost. Show retention by customer cohort where available and identify dependence on a small number of partners or customers.
Describe the company’s role and any banking, payment or infrastructure partners it relies on. Explain where the product operates, the status of relevant permissions and how customer data is protected. Clearly distinguish services you provide from services delivered by a partner.
MENA is not a single operating market. Present your existing results separately from country-by-country expansion plans. Include localisation, partner onboarding, compliance resources and customer acquisition assumptions in your capital request. Explain which milestone the next funding round is meant to achieve.
| Management metric | Calculation | USD |
|---|---|---|
| Processed payment volume | Volume, not company revenue | 10,000,000 |
| Fees generated | 1% × payment volume | 100,000 |
| Partner and processing charges | Illustrative contractual charges | −40,000 |
| Fee amount retained | Fees less those charges | 60,000 |
| Other variable delivery costs | Excluded from charges above | −15,000 |
| Illustrative contribution before fixed overhead | Retained fees less other variable costs | 45,000 |
This is a hypothetical management model, not Cubin portfolio data or a revenue-recognition policy. Actual presentation depends on the company’s contracts and accounting treatment. Reconcile the model to reported revenue; identify refunds, incentives, losses and other costs omitted from the simplified example. State who holds customer funds and whether any balances are restricted rather than available to finance company operations.
For every country, record the service provider, partner, current permission or testing status, evidence date and unresolved dependency. A test environment and an unrestricted operating permission should not be presented as interchangeable. The DFSA describes its Innovation Testing Licence programme; this is a DIFC-specific reference, not a licence route for all MENA fintechs.
For Saudi expansion, prepare the Saudi operating or launch case.
For UAE operations, document the UAE operating entity.
No. A platform may process or facilitate a large value while earning a smaller fee. Present volume, the applicable fee basis, gross revenue and deductions separately, using consistent definitions across the deck and financial model.
Include a market-by-market operating plan, partner dependencies and a cash budget. Explain whether the model is already functioning in each country or whether entry depends on future work. Regional totals alone hide these differences.
Cubin invests its own capital and works with an international network of private investors, family offices and investment firms. Our investment focus is USD 1–30 million, from angel and early-stage opportunities through growth and private equity. We assess business quality, financial performance, growth, valuation and risk. Direct investment and investor introductions are different outcomes; neither is guaranteed by submitting a pitch.
Send a short company overview, location, sector, stage, amount sought and intended use of funds. Include revenue or traction where available, ownership information and the next milestone. Attach a non-confidential PDF pitch deck, up to 3 MB. The form is in English and does not require a member account. Your submission is sent to Cubin with the guide page you came from. Do not include sensitive customer data in your initial submission.
Separate commercial evidence from forecasts and document sector-specific responsibilities with the Investor Evidence Pack. Test milestone costs and delayed cash receipts in the Milestone Funding & Runway Workbook.
If the next round funds customer validation, use Venture capital in the UAE: early-stage funding readiness.
For software retention and platform revenue definitions, see Technology investors in the GCC: software and platform metrics.
If capital supports several markets, compare launch sequencing in Growth capital in MENA: cross-border expansion planning.
Return to Capital Raising to introduce your company or choose another market and investor type.
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