Trade finance built for the businesses that actually need it
Dash is credit infrastructure for small and medium businesses in emerging markets. Working capital, deferred payment, international payments, analytics — where banks either say no or misprice the risk.
Why we're doing this
The global trade finance gap is estimated by the IFC at $2.5 trillion. Most of it falls on SMBs in emerging markets: importers, exporters, logistics, construction, healthcare. Banks look at the balance sheet and ask for collateral. Factoring comes with recourse on the seller and expensive fees. Letters of credit start at $100,000 and up.
The financial infrastructure for SMBs simply hasn't been built. We're building it.
What we do
- Working capital — up to $100,000 in 24 hours against a specific deal, no collateral. Rates from 3% per month.
- Deferral and factoring — the exporter is paid at shipment, the buyer pays us in 7–60 days. Non-recourse: if the buyer doesn't pay, the loss is on Dash. Rates from 3% of invoice face value.
- International payments — 60+ corridors with transparent FX, SWIFT and local rails.
- Market analytics — we compare suppliers and corridors so every deal is an informed one.
About the company
The legal entity is Yumi Labs Pte. Ltd., Singapore, UEN 202541689D. The company was founded in 2025 by Mikhail Kedzel and Vladislav Lensky. The team is backed by strategic advisors from banking, insurance and payments.
We work with clients across Central Asia, Southeast Asia, the Middle East and Latin America. Some of our products are halal by structure: no late penalties, no recourse on the seller, no interest on time. You pay for a service, not for the use of money.
Get in touch
Partnerships, press, general questions: mikhail@yumi.finance.
For product questions, the fastest path is to request a call on the site. A specialist will get back to you within a few hours.