Joa Capital

Erad is a company that provides expansion capital to online enterprises, focusing primarily on startups in the Middle East. It operates an online fund management platform that enables these businesses to connect their sales, marketing, and accounting data. By doing so, Erad facilitates access to non-dilutive capital funding, allowing businesses to secure the growth funding they need without sacrificing ownership. In addition to financial support, the platform offers key insights and analyses that help businesses optimize their operations and increase profitability.

MedIQ is an integrated virtual care platform providing on-demand healthcare at the point of need. MedIQ redefines healthcare through a digitally enabled, cashless, hybrid healthcare ecosystem. MedIQ makes high-quality, modernized healthcare and wellness available to everyone.

Aya is a modest fashion e-commerce platform that strives to unite the fragmented modest fashion industry into a single discovery platform.

Rize is a PropTech platform transforming rental payments for both residential and commercial properties. With its “Rent Now, Pay Later” service, Rize allows tenants to split their annual rent into manageable installments, which benefits both renters, who can better manage their rental budgets, and landlords, who can reach a larger consumer base and receive their yearly rental payment in advance. By enhancing affordability and flexibility, Rize inherently boosts occupancy rates across the rental market.

Jeel Pay is a fintech company that specializes in developing payment and collection solutions for educational institutions. Its core product is a financial platform designed to streamline payment processes, particularly for tuition fees. The platform facilitates the division of tuition fees into installments, allowing parents to make timely digital payments. This not only benefits parents by providing a convenient payment option but also helps schools by reducing the administrative burden of fee collection.

InvestSky is a Dubai-based platform that combines social networking with investing, enabling users to connect with fellow investors, exchange ideas, and trade a broad range of US stocks and ETFs with zero commissions. The platform also provides tools and insights to help users understand market moves and make informed decisions, while supporting secure transactions through a unified network. Founded in 2021 by Nitish Mittal and Turki Alshaikh and headquartered in Dubai, it operates under the regulation of the Dubai Financial Services Authority and targets investors in the GCC. By blending social features with investment information and analysis, InvestSky aims to make accessing markets simpler and more transparent for a new generation of traders.

BuildNow, established in 2022 and headquartered in Riyadh, Saudi Arabia, offers the Middle East, North Africa, and Pakistan's first 'Build Now Pay Later' solution. It funds raw materials for construction and manufacturing SMEs, providing tailored credit terms to optimize cash flow and accelerate growth.

Markopolo.ai develops an AI-powered ad automation tool for businesses to manage paid marketing efficiently on a single dashboard. Its omnichannel platform uses advanced machine learning algorithms and data visualization capabilities to help clients understand their market and customers better, enabling them to create optimized content and targeted ads.

Shorages offers on-demand ecommerce fulfillment and distribution services for brands aiming to commence and expand their operations in the GCC region. The company securely stores products in warehouses and ensures safe delivery of orders through multichannel e-commerce platforms.

Mojo's mission is to help beauty enthusiasts discover, share, and buy beauty, skincare, and wellness products. Mojo's platform allows users to buy items with one or two clicks.

Rize is a PropTech platform transforming rental payments for both residential and commercial properties. With its “Rent Now, Pay Later” service, Rize allows tenants to split their annual rent into manageable installments, which benefits both renters, who can better manage their rental budgets, and landlords, who can reach a larger consumer base and receive their yearly rental payment in advance. By enhancing affordability and flexibility, Rize inherently boosts occupancy rates across the rental market.

Capifly is a financial services company that provides rapid, non-dilutive financing to developing technology companies, focusing on those in emerging markets. By offering capital in exchange for yearly recurring revenue, Capifly aims to transform alternative financing and promote equal opportunities for regional entrepreneurs. The company specializes in creating a balanced and cost-effective capital structure, allowing business owners to seize market growth opportunities and negotiate better terms with future investors. Through its innovative approach, Capifly supports the growth and development of technology-driven businesses while minimizing the dilution of ownership for entrepreneurs.

Autosphere operates as an AI-driven robotic process automation (RPA) platform. The company provides consulting, implementation, and managed services to businesses. It focuses on the automation of manual, repetitive, and rule-based tasks. Autosphere operates in industries such as artificial intelligence, consulting, robotics, and software.

Enhance Ventures is a venture studio founded in 2016 and headquartered in Dubai, United Arab Emirates. It specializes in building online businesses across the Middle East, North Africa, Pakistan, and Turkey, with a focus on finance and commerce. The firm develops life‑enhancing products and services, exemplified by its portfolio company joi, a leading online gifting platform. Investors include 500 Startups, Shorooq Capital, Inet, Hala Capital, Kadi Holding, Two Culture Capital, and prominent angel investors from the Middle East, Europe, and the United States.

Alma Health is a digital platform specializing in chronic illness management. It serves over 20 million patients in the Gulf Cooperation Council (GCC) region. The platform offers cloud pharmacy services and virtual doctor consultations, transforming patient data into personalized treatments and home monitoring systems.

Shorages offers on-demand ecommerce fulfillment and distribution services for brands aiming to commence and expand their operations in the GCC region. The company securely stores products in warehouses and ensures safe delivery of orders through multichannel e-commerce platforms.

Emrgo is a specialized firm focusing on emerging private markets in the capital markets sector. It identifies overlooked opportunities by combining deep market insights with innovative fintech solutions.

Lamsa World is a digital platform based in Abu Dhabi, United Arab Emirates, designed for Arab-speaking toddlers and preschoolers. The company provides an interactive application that offers a variety of edutainment products, including e-books, games, videos, and music. Lamsa focuses on creating an engaging learning environment for children aged 1 to 8 years, delivering content that fosters creativity and imagination. The platform regularly updates its offerings to ensure a diverse range of educational and entertaining materials, which cater to the developmental needs of young learners. Through its innovative approach, Lamsa aims to enhance the educational experience while making learning enjoyable for children.

WorkForce 360 is a developer of a Software as a Service (SaaS) platform that aims to transform the overseas recruitment process for unskilled and semi-skilled labor. The company's innovative platform simplifies and automates the traditionally manual recruitment procedures by linking hiring organizations with overseas recruitment agents. This connectivity enables clients to efficiently recruit manpower at scale while ensuring a transparent and streamlined hiring experience. Through its digital solutions, WorkForce 360 addresses the complexities of overseas recruitment, making it more accessible and effective for businesses seeking to expand their workforce internationally.

InvestSky is a Dubai-based platform that combines social networking with investing, enabling users to connect with fellow investors, exchange ideas, and trade a broad range of US stocks and ETFs with zero commissions. The platform also provides tools and insights to help users understand market moves and make informed decisions, while supporting secure transactions through a unified network. Founded in 2021 by Nitish Mittal and Turki Alshaikh and headquartered in Dubai, it operates under the regulation of the Dubai Financial Services Authority and targets investors in the GCC. By blending social features with investment information and analysis, InvestSky aims to make accessing markets simpler and more transparent for a new generation of traders.

Erad is a company that provides expansion capital to online enterprises, focusing primarily on startups in the Middle East. It operates an online fund management platform that enables these businesses to connect their sales, marketing, and accounting data. By doing so, Erad facilitates access to non-dilutive capital funding, allowing businesses to secure the growth funding they need without sacrificing ownership. In addition to financial support, the platform offers key insights and analyses that help businesses optimize their operations and increase profitability.

Markopolo.ai develops an AI-powered ad automation tool for businesses to manage paid marketing efficiently on a single dashboard. Its omnichannel platform uses advanced machine learning algorithms and data visualization capabilities to help clients understand their market and customers better, enabling them to create optimized content and targeted ads.