Neem, Pakistan’s leading embedded finance platform, has secured a Rs. 100 million credit facility from HBL, the country’s top bank, to expand Neem Paymenow — its Shariah-compliant earned wage access (EWA) solution. This strategic partnership marks a major step forward in redefining financial wellness and dignity for Pakistan’s salaried workforce.
“We are witnessing a fundamental shift in how Pakistan’s financial institutions view employee wellbeing,” said Naeem Zamindar, Co-founder of Neem. “HBL’s backing validates our belief that financial wellness isn’t a luxury, it’s a necessity. We are not just advancing salaries; we are advancing dignity, stability, and hope for hardworking Pakistanis.”
Structured exclusively to support employee wage advances, the credit facility highlights HBL’s commitment to inclusive financial innovation and validates Neem’s credibility as a key player in Pakistan’s growing EWA space. With this support, Neem Paymenow will expand access to on-demand salaries for thousands of employees in sectors including retail, logistics, healthcare, and manufacturing — offering income access without the traps of debt or hidden fees.
“At HBL, we are committed to supporting innovative, inclusive financial solutions that align with the values and needs of the Pakistani salaried workforce,” said Mr. Faisal N. Lalani – Group Head Financial Institutions & Member Executive Committee. “Our partnership with Neem underscores our belief in responsible fintech that empowers salaried individuals with dignified, Shariah-compliant access to their earned income.”
In a country where over 60 million people are employed and live paycheck to paycheck, Neem Paymenow offers a lifeline. Rising living costs and financial shocks such as unexpected medical expenses or utility bills can destabilize families. Neem’s solution provides timely access to already-earned income, eliminating the need for loans or exploitative alternatives.
More than just a salary advance tool, Neem Paymenow integrates in-app features that promote long-term financial wellbeing, including prompts for saving, budgeting, and resilience planning. It’s designed to cover essentials — rent, groceries, school fees, bills — while empowering users with dignity and control over their finances.
With HBL’s support, Neem is partnering with progressive employers across Pakistan’s urban centers to bring this urgently needed benefit to the frontline of the country’s economic engine — salaried workers — while transforming how institutions think about financial dignity and access.
