Our impact
in numbers

Fueling business growth across the GCC.

The Beehive network
at a glance

0K+

Registered Investors

0Bn+

In SME Funding Delivered

0K+

Funding Requests Received

Financing performance over time

Here’s how our business financing has performed over the years.

These charts show the returns on Term Finance (TF) and Working Capital Finance (WCF) by year of origination. Returns are based on actual rates and updated when any facility is classified as defaulted.

Year

TF Net Yield

WCF Net Yield

2014

11.67%

0.00%

2015

7.28%

9.03%

2016

10.13%

9.95%

2017

7.35%

10.72%

2018

6.59%

10.59%

2019

5.65%

11.36%

2020

9.62%

11.38%

2021

4.48%

10.92%

2022

8.10%

10.84%

2023

9.98%

10.73%

2024

12.97%

10.67%

2025

13.42%

11.24%

All amounts are in , Million. Data as of 30th September 2025, the data will be updated at least on a quarterly basis.

The returns are based upon the actual rate written and are updated when a financing line is defined as a default. We note that the net return for 2015 excludes one line which was covered by Beehive.

How much have we funded?

Our lending activity reflects our commitment to helping businesses grow with confidence.

The figures show total amounts funded, repayments made, and how our portfolio has evolved over time.

All figures are updated quarterty.

Years

Finance by the numbers

0M+

Funded in term finance

0M+

Funded in working capital finance

0+

Businesses empowered

“Beehive is a solid platform, created by great people, enabling SME’s with needed support, when they need it the most.”


Mustafa Koita, 

Founder and CEO

Performance highlights

Over 4 Billion funded to date

Average NPL ratio under 2%

Defaults remain consistently low, averaging below 1% across the portfolio

Principal repayments across years remain strong, with 87% recovered to date

Managing risk responsibly

Our approach to credit is guided by careful assessment and ongoing portfolio monitoring. Based on historical data, our expected default rate stands at approximately 0.9%, reflecting our focus on quality lending and responsible growth.

2014-2020

2021

2022

2023

2024

2025

Defaulted accounts (%)

1.58%

3.37%

1.06%

2.06%

0.00%

0.00%

Defaulted accounts (No)

32

11

6

5

0

0

Data as of 30th September 2025. The data will be updated at least on a quarterly basis.

Want more details?

The table below provides additional information on the amount ( ) and number of financings that Beehive has originated by year. It also details the amount repaid to date and defaulted lines and non-performing loans (NPLs) which are defined as any line which is >90 days overdue but not classified as a defaulted line.

2014-2020

2021

2022

2023

2024

2025

Total

Requests Finances

14,303

3,655

4,518

6,196

4,967

3,023

36,662

Amount Lent ( mn)

663.29

248.04

347.07

422.47

462.48

677.88

2,821.24

NPL ( mn)

0.09

0.00

1.21

6.42

4.05

1.25

13.02

NPL %

0.01%

0.00%

0.35%

1.52%

0.88%

0.018

0.46%

Default Amount ( mn)

10.15

8.35

3.56

9.33

0.00

0.00

31.38

Default %

1.53%

3.37%

1.03%

2.21%

0.00%

0.00%

1.11%

Principle Repaid%

98.41%

96.63%

94.20%

89.32%

67.87%

25.37%

73.82%

All amounts are in , Million. Data as of 30th September 2025, the data will be updated at least on a quarterly basis.