BRAC Bank and PriyoShop launch embedded credit access for micro-retailers

BRAC Bank PLC, the country's top SME bank, has partnered with PriyoShop, Bangladesh's leading B2B smart distribution platform, to launch a first-of-its-kind embedded credit solution for micro and small retailers.

This strategic collaboration aims to bridge the financing gap faced by millions of informal micro-retailers across Bangladesh by enabling them to access collateral-free working capital directly through PriyoShop's digital platform.

With real-time transaction data and AI-driven credit scoring, BRAC Bank will offer digitally processed, tailored loans that require no traditional paperwork or collateral—making formal credit more accessible for previously underserved businesses.

"This partnership reflects BRAC Bank's commitment to financial inclusion through innovation," said Syed Abdul Momen, Additional Managing Director and Head of SME Banking at BRAC Bank. "By embedding credit into PriyoShop's platform, we are removing long-standing barriers and enabling rural entrepreneurs to thrive. This model can redefine small-scale commerce across the country."

Through this integration, PriyoShop's retailers can instantly access credit, purchase inventory, and boost sales, all within the same app. The fully embedded credit experience simplifies the entire borrowing process, allowing micro-retailers to grow their businesses without visiting a bank branch.

"Access to credit is the lifeline for small businesses," said Asikul Alam Khan, Founder and CEO of PriyoShop. "With BRAC Bank, we are embedding finance into the core of everyday commerce—turning each order into a gateway to growth, inclusion, and scale."

The initiative aligns with Bangladesh's digital transformation and SME development goals, offering a scalable blueprint for inclusive financial innovation.

The embedded credit programme will initially target high-performing micro-retailers in select districts, with plans for a nationwide rollout in 2025.