About us – EFS Financial Solutions

Who We Are

EFS Financial Solutions was established in April 2020 backed by three financial institutions, E-bank (85%), NBE (11%) and National Investment Bank (4%).

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Mission

To empower businesses in Egypt by providing flexible and innovative leasing and factoring solutions, enabling them to grow and thrive in a dynamic green economic environment. EFS is committed to delivering financial flexibility, personalized service, and value-driven partnerships that help our clients achieve their full potential.

Vision

To be the leading provider of leasing and factoring services in Egypt, recognized for our trustworthiness, customer-centric approach, and contribution to the growth of the Egyptian economy. EFS strives to be a catalyst for business success by offering tailored financial solutions that drive progress and sustainability for businesses of all sizes.

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values

Integrity

EFS adheres to the highest standards of ethics, ensuring transparency, fairness, and honesty in all our transactions.

Customer-Centricity

Our clients' needs are at the heart of everything we do, and we are dedicated to delivering personalized financial solutions that empower them

Innovation

EFS continuously explores new ideas and technologies to improve our services and adapt to the evolving business landscape

Excellence

EFS strives for excellence in every aspect of our operations, from customer service to financial solutions, ensuring quality and reliability.

Partnership

EFS believes in building strong, long-lasting relationships with our clients, supporting their growth and success as trusted partners

Sustainability

EFS is committed to responsible business practices that promote sustainable and green finance strategies, and social sustainability

Empowerment

EFS supports businesses by providing them with the financial tools they need to grow, scale, and navigate challenges.

Message from chairman

At EFS Financial Solutions , we understand the dynamic landscape of the Egyptian market and the unique financial needs of businesses striving for growth and success. Since our inception in 2020, backed by the strength and stability of E-bank, NBE, and the National Investment Bank, EFS has been committed to empowering businesses with tailored leasing and factoring solutions.

My own experience in the Egyptian financial sector has shown me the critical role flexible financing plays in driving economic progress. EFS was founded on the principle of partnership, and we believe in building strong, lasting relationships with our clients. We don’t just provide financial products; we offer solutions designed to address the specific challenges and opportunities each business faces.

We are proud of the progress we’ve made in a short time, establishing ourselves as a trusted and reliable partner for businesses across diverse industries. Our team of experienced professionals is dedicated to providing expert guidance and support, ensuring our clients receive the personalized service they deserve.

Looking to the future, EFS is committed to remaining at the forefront of innovation in the leasing and factoring sector. We are constantly exploring new ways to enhance our services, leveraging technology and best practices to deliver even greater value to our clients. We are particularly focused on supporting the growth of sustainable and green businesses, contributing to a thriving and responsible economy in Egypt.

We invite you to explore our website and discover how EFS can help your business achieve its full potential. Whether you’re looking to improve cash flow, acquire essential equipment, or optimize your financial strategy, we are here to partner with you every step of the way. We are confident that our tailored solutions, coupled with our deep understanding of the Egyptian market, can help you achieve your business objectives.

Thank you for your trust in EFS. We look forward to a prosperous partnership.

Sincerely,

Hisham Kamal
Chairman,
EFS Financial Solutions

Our team :

Ahmed Onsi Khorshid

Managing Director

Mr. Ahmed Onsi Khorshid brings over 35 years of distinguished experience in accounting, finance, auditing, and taxation, initially acquired during his tenure in Kuwait from 1989 to 2001. In Egypt, he has amassed more than 23 years of specialized expertise in financial leasing and factoring. Throughout his career, Mr. Khorshid has been instrumental in executing high-profile transactions and has played a pivotal role in the establishment and strategic development of several prominent financial institutions, including Orix Leasing Egypt SAE (now Sama Finance), Piraeus Egypt (currently Ahli Kuwaiti Egypt)SAE , Al Ahly Leasing SAE, Al Tawfiq Leasing SAE, and Enmaa Leasing SAE . He is the founder of Al Taamir Financial Leasing Company, where he also served as Managing Director, leading the company’s growth and operational excellence. Additionally, Mr. Khorshid was appointed General Manager and Chief Financial Officer at Idea Verde Real Estate Investment Company "The Waterway", a leading Egyptian joint-stock company. From October 2020 to October 2024, he served as Deputy Managing Director responsible for Financial, Administrative, Operational, and Information Systems functions at EFS Financial Solutions (formerly EBI Factoring), driving organizational performance and innovation.

Ahmed Seif

Chief Executive Officer – Financial Leasing Division

Mr. Ahmed Seif possesses over 25 years of extensive professional experience in the banking and finance sector, with a diverse background spanning commercial banking, corporate finance, and small and medium-sized enterprise (SME) financing. His distinguished career includes senior roles at prominent financial institutions across the Middle East and Egypt, including: Banque Misr International, where he managed corporate banking portfolios, non-performing debt resolution, and financial restructuring initiatives. Union National Bank, UAE (Dubai), focusing on corporate banking for large enterprises. Samba Financial Group (formerly Citibank Saudi Arabia), overseeing banking solutions tailored to small and medium-sized enterprises. Egyptian Arab Land Bank, directing corporate banking strategies and client engagement. Prior to his current role, Mr. Seif served as Head of Risk Management at Tamweel Financial Leasing SAE for two years driving risk mitigation and compliance excellence. In May 2022, he joined EFS Financial Solutions (a subsidiary of E-Bank specializing in comprehensive factoring solutions) as Chief Risk Officer, driving risk mitigation and compliance excellence. In March 2025, he was appointed Chief Executive Officer of the Financial Leasing Division, leveraging his strategic acumen to advance operational growth, market positioning, and innovation within the sector. Mr. Seif’s career is marked by a proven ability to optimize financial performance, manage complex risk landscapes, and deliver scalable solutions across diverse market environments