PriyoShop, Bangladesh’s leading B2B platform and smart distribution has partnered with BRAC Bank PLC, the country’s number 1 SME bank and the largest provider of collateral-free loans, to introduce a first-of-its-kind embedded credit solution for micro and small retailers.
This strategic partnership aims to bridge the financing gap for millions of underserved micro-retailers across Bangladesh by enabling seamless access to working capital directly within PriyoShop’s digital ecosystem. With data-driven credit scoring and real-time visibility into retailer transactions, BRAC Bank will offer collateral-free credit that is fast, flexible, and tailored to the unique needs of the informal retail sector.
Syed Abdul Momen, Additional Managing Director and Head of SME Banking, BRAC Bank, said: “This partnership reflects BRAC Bank’s commitment to advancing financial inclusion through innovation. By embedding digitally processed lending into PriyoShop’s ecosystem, we are removing friction and expanding access to formal credit for micro merchants nationwide. This model has the potential to reshape rural entrepreneurship.”
Through this collaboration, PriyoShop’s retailers will be able to access instant digital credit, purchase more inventory, and grow their sales, all without leaving the platform. The credit is fully integrated into the PriyoShop ordering and delivery system, eliminating the traditional barriers of paperwork, collateral and in-person banking.
“Access to credit is the lifeline for small businesses, yet most micro-retailers in Bangladesh are excluded from formal finance,” said Asikul Alam Khan, Founder & CEO of PriyoShop. “With BRAC Bank, we’re embedding credit into the heart of retail transactions, turning every order into an opportunity for growth, inclusion, and scale.”
This initiative is a landmark step toward financial inclusion and directly supports the national agenda of digital transformation and SME development. The embedded credit rollout will initially target active and high-performing retailers across key districts, with plans to expand nationwide in 2025.