Tired of waiting to get paid?
Unlock payments stuck in complex systems. Klaim helps healthcare providers, real estate agents and SMEs get paid within 24 hours - without loans, delays or red tape
Which industry are you in?
Discover how Klaim can solve your industry-specific challenges
Klaim Flow
SMEs with large invoices & long receivables
Problem
Cashflow gaps due to slow client payments
Solution
Invoice financing + escrow model
We invoice large corporates, but payment terms are brutal. Klaim Flow gave us the freedom to grow without taking a single loan. It's fast, flexible, and finally built for businesses like ours
Oussama G.Founder @ Kango Agency
Why should you choose Klaim?
Cash flow is oxygen for your business. We make it flow smoothly.
I'm a mid-sized clinic and 80% of our revenue is stuck in pending insurance claims. We're growing, but these delays are creating bottlenecks in operations and payroll. Do we qualify for instant payment services, and what would the onboarding look like for a team like ours?

Easy Qualification
We have a simple and easy qualification process. You can apply for our service in just a few clicks.
Recognized for Impact. Trusted for Innovation
Explore the milestones that highlight Klaim's leadership in fintech and healthcare transformation.






Trusted by institutions that drive innovation
Klaim is backed by leading institutions through partnerships that strengthen our mission to unlock fast, flexible working capital.
Award-Winning Simplicity
Klaim was named Best User Experience 2025 for making working capital access simple, fast, and intuitive.
How Klaim Works
Discover how Klaim can get you paid in 24 hours
Trusted by 200+ businesses









Our clients speak for us
Here's what our clients have to say about us
Before Klaim, our reimbursement process was a major bottleneck.We regularly waited up to 90 days for payments, which made financial planning extremely difficult. Klaim transformed our cash flow management completely.

Michael Becker
CEO, DISC
As a retail chain owner, cash flow gaps used to keep me awake at night. When suppliers demanded upfront payment and bank approvals dragged on for weeks, we risked losing inventory and customer loyalty.Klaim Flow gave us working capital within 24 hours without adding debt to our balance sheet. The onboarding was intuitive, and now I can plan seasonal promotions confidently knowing funds are accessible when needed.

Mohammad Labban
Founder, Regional Retail Chain
Klaim Eligible completely transformed how we verify insurance eligibility. What used to be a slow manual task is now fast, digital, and error-free. The efficiency gains are remarkable.

Prasad Buchi
Dr. Sulaiman Al Habib Medical Group
Before Klaim, our reimbursement process was a major bottleneck.We regularly waited up to 90 days for payments, which made financial planning extremely difficult. Klaim transformed our cash flow management completely.

Michael Becker
CEO, DISC
As a retail chain owner, cash flow gaps used to keep me awake at night. When suppliers demanded upfront payment and bank approvals dragged on for weeks, we risked losing inventory and customer loyalty.Klaim Flow gave us working capital within 24 hours without adding debt to our balance sheet. The onboarding was intuitive, and now I can plan seasonal promotions confidently knowing funds are accessible when needed.

Mohammad Labban
Founder, Regional Retail Chain
Klaim Eligible completely transformed how we verify insurance eligibility. What used to be a slow manual task is now fast, digital, and error-free. The efficiency gains are remarkable.

Prasad Buchi
Dr. Sulaiman Al Habib Medical Group
Before Klaim, our reimbursement process was a major bottleneck.We regularly waited up to 90 days for payments, which made financial planning extremely difficult. Klaim transformed our cash flow management completely.

Michael Becker
CEO, DISC
As a retail chain owner, cash flow gaps used to keep me awake at night. When suppliers demanded upfront payment and bank approvals dragged on for weeks, we risked losing inventory and customer loyalty.Klaim Flow gave us working capital within 24 hours without adding debt to our balance sheet. The onboarding was intuitive, and now I can plan seasonal promotions confidently knowing funds are accessible when needed.

Mohammad Labban
Founder, Regional Retail Chain
Klaim Eligible completely transformed how we verify insurance eligibility. What used to be a slow manual task is now fast, digital, and error-free. The efficiency gains are remarkable.

Prasad Buchi
Dr. Sulaiman Al Habib Medical Group
Before Klaim, our reimbursement process was a major bottleneck.We regularly waited up to 90 days for payments, which made financial planning extremely difficult. Klaim transformed our cash flow management completely.

Michael Becker
CEO, DISC
As a retail chain owner, cash flow gaps used to keep me awake at night. When suppliers demanded upfront payment and bank approvals dragged on for weeks, we risked losing inventory and customer loyalty.Klaim Flow gave us working capital within 24 hours without adding debt to our balance sheet. The onboarding was intuitive, and now I can plan seasonal promotions confidently knowing funds are accessible when needed.

Mohammad Labban
Founder, Regional Retail Chain
Klaim Eligible completely transformed how we verify insurance eligibility. What used to be a slow manual task is now fast, digital, and error-free. The efficiency gains are remarkable.

Prasad Buchi
Dr. Sulaiman Al Habib Medical Group
Our business depends on placing bulk orders to secure better pricing from suppliers, but slow client payments often held us back.Klaim Flow unlocked immediate funds against our pending invoices, letting us buy in volume and improve margins. They truly understand the realities of SMEs – fast, clear, and no hidden costs.

David Thompson Reed
CEO, Construction Supplies SME
When our revenue cycle started to slow down,Klaim stepped in with a fast and effective solution that got us back on track immediately. The impact on our practice operations was instant.

Dr Zain Akasier
Doctor, Al Mazroui Medical Center
Expanding our fitness studio network was challenging when monthly membership collections didn't align with equipment payments and staff salaries. Banks don't understand our cash flow cycles, but Klaim Flow did.In just 24 hours, we accessed the funds we needed to open our third location. Their support has empowered us to scale with confidence and stability.

Huda Saleh Al-Mansouri
Owner, Boutique Fitness Studio Chain
Our business depends on placing bulk orders to secure better pricing from suppliers, but slow client payments often held us back.Klaim Flow unlocked immediate funds against our pending invoices, letting us buy in volume and improve margins. They truly understand the realities of SMEs – fast, clear, and no hidden costs.

David Thompson Reed
CEO, Construction Supplies SME
When our revenue cycle started to slow down,Klaim stepped in with a fast and effective solution that got us back on track immediately. The impact on our practice operations was instant.

Dr Zain Akasier
Doctor, Al Mazroui Medical Center
Expanding our fitness studio network was challenging when monthly membership collections didn't align with equipment payments and staff salaries. Banks don't understand our cash flow cycles, but Klaim Flow did.In just 24 hours, we accessed the funds we needed to open our third location. Their support has empowered us to scale with confidence and stability.

Huda Saleh Al-Mansouri
Owner, Boutique Fitness Studio Chain
Our business depends on placing bulk orders to secure better pricing from suppliers, but slow client payments often held us back.Klaim Flow unlocked immediate funds against our pending invoices, letting us buy in volume and improve margins. They truly understand the realities of SMEs – fast, clear, and no hidden costs.

David Thompson Reed
CEO, Construction Supplies SME
When our revenue cycle started to slow down,Klaim stepped in with a fast and effective solution that got us back on track immediately. The impact on our practice operations was instant.

Dr Zain Akasier
Doctor, Al Mazroui Medical Center
Expanding our fitness studio network was challenging when monthly membership collections didn't align with equipment payments and staff salaries. Banks don't understand our cash flow cycles, but Klaim Flow did.In just 24 hours, we accessed the funds we needed to open our third location. Their support has empowered us to scale with confidence and stability.

Huda Saleh Al-Mansouri
Owner, Boutique Fitness Studio Chain
Our business depends on placing bulk orders to secure better pricing from suppliers, but slow client payments often held us back.Klaim Flow unlocked immediate funds against our pending invoices, letting us buy in volume and improve margins. They truly understand the realities of SMEs – fast, clear, and no hidden costs.

David Thompson Reed
CEO, Construction Supplies SME
When our revenue cycle started to slow down,Klaim stepped in with a fast and effective solution that got us back on track immediately. The impact on our practice operations was instant.

Dr Zain Akasier
Doctor, Al Mazroui Medical Center
Expanding our fitness studio network was challenging when monthly membership collections didn't align with equipment payments and staff salaries. Banks don't understand our cash flow cycles, but Klaim Flow did.In just 24 hours, we accessed the funds we needed to open our third location. Their support has empowered us to scale with confidence and stability.

Huda Saleh Al-Mansouri
Owner, Boutique Fitness Studio Chain
Since working with Klaim, we no longer worry about when payments will come in. It's one less stress for our management team and allows us to focus on patient care.

Dr George John
Doctor, Transform Specialist Medical Center
We supply auto parts to garages across the UAE and KSA, but delayed dealer payments strained our ability to import stock.Klaim Flow's invoice financing solution helped us maintain consistent inventory, avoid supplier penalties, and negotiate better deals. Their team was proactive, fast, and deeply understood the complexities of regional distribution businesses.

Praveen S.
Managing Director, Automotive Parts Distributor
Our claims used to take 90+ days to be paid.Now with Klaim, we're receiving money in 24 hours, it's a complete turnaround. This has revolutionized our financial operations.

Abdulrahman Reda
CEO, Qamar Al Madina Medical Center
Since working with Klaim, we no longer worry about when payments will come in. It's one less stress for our management team and allows us to focus on patient care.

Dr George John
Doctor, Transform Specialist Medical Center
We supply auto parts to garages across the UAE and KSA, but delayed dealer payments strained our ability to import stock.Klaim Flow's invoice financing solution helped us maintain consistent inventory, avoid supplier penalties, and negotiate better deals. Their team was proactive, fast, and deeply understood the complexities of regional distribution businesses.

Praveen S.
Managing Director, Automotive Parts Distributor
Our claims used to take 90+ days to be paid.Now with Klaim, we're receiving money in 24 hours, it's a complete turnaround. This has revolutionized our financial operations.

Abdulrahman Reda
CEO, Qamar Al Madina Medical Center
Since working with Klaim, we no longer worry about when payments will come in. It's one less stress for our management team and allows us to focus on patient care.

Dr George John
Doctor, Transform Specialist Medical Center
We supply auto parts to garages across the UAE and KSA, but delayed dealer payments strained our ability to import stock.Klaim Flow's invoice financing solution helped us maintain consistent inventory, avoid supplier penalties, and negotiate better deals. Their team was proactive, fast, and deeply understood the complexities of regional distribution businesses.

Praveen S.
Managing Director, Automotive Parts Distributor
Our claims used to take 90+ days to be paid.Now with Klaim, we're receiving money in 24 hours, it's a complete turnaround. This has revolutionized our financial operations.

Abdulrahman Reda
CEO, Qamar Al Madina Medical Center
Since working with Klaim, we no longer worry about when payments will come in. It's one less stress for our management team and allows us to focus on patient care.

Dr George John
Doctor, Transform Specialist Medical Center
We supply auto parts to garages across the UAE and KSA, but delayed dealer payments strained our ability to import stock.Klaim Flow's invoice financing solution helped us maintain consistent inventory, avoid supplier penalties, and negotiate better deals. Their team was proactive, fast, and deeply understood the complexities of regional distribution businesses.

Praveen S.
Managing Director, Automotive Parts Distributor
Our claims used to take 90+ days to be paid.Now with Klaim, we're receiving money in 24 hours, it's a complete turnaround. This has revolutionized our financial operations.

Abdulrahman Reda
CEO, Qamar Al Madina Medical Center
We import and distribute premium food brands to hotels and restaurants. Seasonal demand spikes often created funding gaps that banks couldn't bridge quickly enough.Klaim Flow provided working capital in under 24 hours, enabling us to stock high-demand SKUs and grow our market share without taking on debt. It felt like having a financial partner who actually roots for our success.

Caroline Edwards
Co-Founder, Specialty Foods SME
Our clients pay on net 60-90 day terms, which made it hard to invest in talent and project delivery on time.With Klaim Flow, we turned pending invoices into immediate working capital. The onboarding was seamless, their credit decision process clear, and funds landed in our account within a day. Now, cash flow is no longer a barrier to our growth goals.

Hassan Tuqan
CEO, Technology & IT Solutions Firm
We import and distribute premium food brands to hotels and restaurants. Seasonal demand spikes often created funding gaps that banks couldn't bridge quickly enough.Klaim Flow provided working capital in under 24 hours, enabling us to stock high-demand SKUs and grow our market share without taking on debt. It felt like having a financial partner who actually roots for our success.

Caroline Edwards
Co-Founder, Specialty Foods SME
Our clients pay on net 60-90 day terms, which made it hard to invest in talent and project delivery on time.With Klaim Flow, we turned pending invoices into immediate working capital. The onboarding was seamless, their credit decision process clear, and funds landed in our account within a day. Now, cash flow is no longer a barrier to our growth goals.

Hassan Tuqan
CEO, Technology & IT Solutions Firm
We import and distribute premium food brands to hotels and restaurants. Seasonal demand spikes often created funding gaps that banks couldn't bridge quickly enough.Klaim Flow provided working capital in under 24 hours, enabling us to stock high-demand SKUs and grow our market share without taking on debt. It felt like having a financial partner who actually roots for our success.

Caroline Edwards
Co-Founder, Specialty Foods SME
Our clients pay on net 60-90 day terms, which made it hard to invest in talent and project delivery on time.With Klaim Flow, we turned pending invoices into immediate working capital. The onboarding was seamless, their credit decision process clear, and funds landed in our account within a day. Now, cash flow is no longer a barrier to our growth goals.

Hassan Tuqan
CEO, Technology & IT Solutions Firm
We import and distribute premium food brands to hotels and restaurants. Seasonal demand spikes often created funding gaps that banks couldn't bridge quickly enough.Klaim Flow provided working capital in under 24 hours, enabling us to stock high-demand SKUs and grow our market share without taking on debt. It felt like having a financial partner who actually roots for our success.

Caroline Edwards
Co-Founder, Specialty Foods SME
Our clients pay on net 60-90 day terms, which made it hard to invest in talent and project delivery on time.With Klaim Flow, we turned pending invoices into immediate working capital. The onboarding was seamless, their credit decision process clear, and funds landed in our account within a day. Now, cash flow is no longer a barrier to our growth goals.

Hassan Tuqan
CEO, Technology & IT Solutions Firm
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Answers to common questions about Klaim.

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