The Era of Collaboration, Pakistan's first invoice financing platform

CashNow connects Buyers, Suppliers, and Financial Institutions to enable invoice financing

Our Solutions

Do you want to reduce cost, errors, and increase productivity? E-invoicing is your solution!

Do you have a cash flow problem? Use invoice financing to get paid early!

Invoice Financing – Platform Operations

Buyers send a purchase order to the supplier

Supplier delivers the product, submits invoice to the buyer

Accepted Invoices are transferred to CashNow

Supplier requests the invoice to be financed

Bank pays the discounted amount to the supplier after acceptance

Buyer pays the invoice according to original payment term


Avail collateral free working capital via Invoice Financing

*invoice must be accepted by the buyer

Why CashNow ?

CashNow links SMEs to finance

Who We Are ?

CashNow is more than a tech product – it is the mission to empower SMEs. Like most developing countries, Pakistan has a “missing middle” when it comes to SME financing. That means microenterprises get financed through microfinance institutions, large corporates get financed through banks, but SMEs stay neglected and cash poor. CashNow addresses this challenge. Investing in SMEs requires a country-specific financing model, local knowledge, and unwavering commitment. With over 100 years of combined experience in development finance, technology, and innovation, our team is prepared to take on this effort. Our CashNow platform is Pakistan’s first collateral-free invoice financing solution – we bring buyers, suppliers, and financial institutions on the same page to help SMEs solve their cash flow problems. That’s how we empower SMEs for a more prosperous Pakistan

Social Impact

Small and mid-sized enterprises (SMEs) are vital to Pakistan’s economy. They generate a third of Pakistan’s GDP, in addition to providing inclusive growth, new jobs, and skill development. But SMEs in Pakistan are neglected. Pakistan spends a mere 1% of its GDP on SME financing, which is far less compared to regional countries India (9%), Bangladesh (10%), and Sri Lanka (8%). That results in Pakistan’s SMEs being unable to thrive. CashNow addresses that problem by giving SME suppliers the option to finance their invoices based on the better credit of the buyer. As SMEs get access to finance, they will be able to grow, provide jobs, and move Pakistan forward. With CashNow, SMEs get their chance to change the world.

About Us

With over 100 years of combined experience in technology, business, and finance, the CashNow team brings to the market a simple collaborative platform to make SME financing possible. The team is working with a seasoned board of advisors to guide them to develop innovative financial solutions for Pakistan.

Our Team

Moazzam Ahmed
  • Moazzam worked at the IFC as senior country officer for Pakistan for over 14 years, where he was instrumental in increasing IFC’s Pakistan portfolio from $250 million to $1.2 billion. Prior to IFC, Moazzam worked as a strategy consultant for E&Y and Capgemini for over 10 years. In that capacity, he consulted for Fortune 500 companies in US and Europe. He has a bachelor’s in economics from the College of Wooster and an MBA from Duke University.
  • Mr. Iqbal has extensive experience in project & structured finance, debt capital markets, private and listed equity as well as general management and strategy. From 2006-2020 Saeed led the investment banking business at United Bank Limited, where he transformed it into one of the most successful investment banking platforms in the market. Previously, Saeed worked as the Head of Structured Finance at ANZ Investment Bank and as an economist with the National Development Finance Corporation. Saeed holds a B.Sc. (Econ) Honours degree from the London School of Economics and an MA in Development Economics from the University of Sussex.
Naveed Iftikhar
  • Naveed has worked with several technology companies like IBM and CDC during his initial years before becoming a seeded entrepreneur. He has launched and managed several successful startups over the last 20 years. His experience encompasses finance, technology, and innovation. Naveed has a bachelor’s in engineering from Princeton University and a MBA from Yale University.
  • Omar has experience in the fields of mathematical research, development, education, and startups. He is passionate about technology, and how innovation can impact society. Omar is responsible for product development and operations at d-resources. He has a bachelor’s in mathematics from Dartmouth College and a MSc in economics from Bocconi University.