Across Africa, the finance function is becoming more operational. From contractors completing delayed projects to exporters managing slow remittances, the need for tailored liquidity has outgrown the reach of traditional loans. Leasing and factoring, once treated as niche instruments, have now become the most reliable link between effort and earnings.
Be it bridging shortfalls from receivables or converting fixed assets into usable capital, these instruments now power the middle layer of enterprise growth.
Rather than being defined solely by scale, the leaders in this field are shaped by speed, versatility, and sector fluency, while delivering financing formats that adapt to shifting demand without exposing clients to high-cost risk.
Established in 2021, Beltone Leasing & Factoring is a wholly owned subsidiary of Beltone Holding and has rapidly become one of Egypt’s fastest-growing non-banking financial institutions (NBFIs). The company achieved an 18% market share in leasing and 8.5% in factoring as of Q2 2025, with a net financed amount exceeding EGP 5.6 billion and an outstanding portfolio of EGP 9.9 billion, reflecting exceptional growth, prudent risk management, and market leadership.
The firm issues structured financing tied to verified receivables, registered assets, and confirmed contracts, all while avoiding excessive exposure and maintaining liquidity access. BLF’s paid-in capital has reached EGP 1.5 billion, backed by facilities from more than 26 banks totalling EGP 15.4 billion. The company also secured USD 30 million in foreign funding from SANAD, the Green for Growth Fund (GGF), and Al Ahli Bank of Kuwait (ABK), along with a new USD 20 million facility from Germany-based Finance in Motion GmbH, underscoring strong international confidence in its performance and governance standards.
The award ‘Best Leasing and Factoring Company in Africa 2025’ recognises Beltone Leasing & Factoring’s ability to provide flexible, asset-based financing that supports SMEs and large corporates alike, while maintaining strong credit discipline and operational efficiency. Its approach focuses on sector-driven solutions across real estate, construction, education, trading, and tourism, combining local expertise with international best practices.
Structure-First Model with Multi-Sector Reach
Beltone Leasing and Factoring offers a comprehensive product suite including Direct Lease, Sale & Leaseback, Domestic Factoring, and Reverse Factoring, each designed to match the client’s cash flow cycle and asset utilization. Every transaction is reinforced by robust internal controls from origination to closure, ensuring transparency, auditability, and minimal exposure to rollover risk.
Regional Impact Through Strategic Expansion
In a landmark achievement, Beltone Leasing and Factoring became the first non-banking financial institution to establish a branch in the Suez Canal Economic Zone (SCZone) a strategic gateway linking Egypt to Africa and global markets. This expansion enhances the company’s ability to serve exporters, logistics operators, and industrial clients, strengthening its regional footprint.
Furthermore, Beltone Leasing & Factoring’s membership in Factors Chain International (FCI) the world’s largest global factoring network enables it to deliver cross-border factoring solutions, positioning the firm as a regional player with both an African base and global reach.
By reducing reliance on high-leverage loans and shortening the distance between earned revenue and usable capital, Beltone Leasing and Factoring has redefined access to working capital for Egyptian and African enterprises, driving sustainable economic growth through structured, contract-backed finance.
Leadership Excellence
At the forefront of this success is Amir Ghannam, CEO of Beltone Leasing & Factoring and Deputy Head of NBFIs at Beltone Holding, whose leadership has been pivotal in steering the company’s exponential growth and regional expansion. With over 20 years of experience across corporate banking, syndications, and M&A, Ghannam has transformed BLF into a top-tier market leader recognized for its innovative products, governance excellence, and client-centric model.
This recognition by International Business Magazine celebrates Beltone Leasing & Factoring’s record-breaking performance, strategic milestones, and regional expansion — reaffirming the company’s position, under Amir Ghannam’s leadership, as a driving force in Africa’s evolving financial ecosystem.
Article received on Mail
