The genesis of CBFS is rooted in a realization – a realization that Pakistan’s MSMEs and SMEs remained underserved and overlooked by the formal financial sector. While others saw barriers, we saw opportunity. Our journey began with a CreditBook, a ledger and bookkeeping app that connected us to this underserved community. Through our work at CreditBook, we aimed (and continue to aim) to imrpove the financial outcome for entrepreneurs.As we delved into the lives of MSMEs, we discovered a painful truth: they existed on the fringes of formal financial institutions not by choice, but due to a glaring gap in understanding. Traditional and formal financial institutions were not building for this community’s unique needs and aspirations. This void inspired us to take action.CBFS emerged as an extension of the CreditBook mission – a mission to empower entrepreneurs. We are committed to bringing about tangible change by designing tailored financial solutions that cater specifically to the MSME and SME ecosystem. Lending, savings, and treasury – these spheres represent our roadmap for innovation.

At CBFS, we stand on the foundation of understanding. We have not even scratched the surface of the needs and pain points of this large underserved and unbanked population, and this drive to understand and learn is part of our company ethos. We’ve transformed challenges into opportunities, bridging the gap that once kept entrepreneurs from their rightful place in the financial landscape.Our approach is not one-size-fits-all; it’s bespoke. We craft solutions that fit snugly into the unique requirements of MSMEs and SMEs. Through flexible lending, impactful savings strategies, and robust treasury management, we empower entrepreneurs to seize control of their financial destinies. CBFS is more than an institution; it’s a movement – a movement to rewrite the narrative of MSMEs and SMEs in the financial realm. Join us as we reshape possibilities, one entrepreneur at a time.