Raqma

Kema · AR automation + invoice finance

Kema

Terms quoted per application

Accounts-receivable automation for MENA B2B — payment links, collections and ERP sync, plus advances up to ~95% of approved invoices.

Apply with Kema Compare sme financing

Is Kema worth it?

  • free-zone companies: Kema onboards free-zone entities on its published criteria.
  • e-commerce merchants: Kema supports online selling — card processing from 2.75%.

Pricing

Card processing rate
2.75%

Eligibility

Not suitable for
importers wanting trade finance beyond supply-chain payables — Kema is structured for B2B supply-chain payments. Companies wanting general working capital or term loans

Business operations

Free-zone companies
Yes

Details

Advance
Up to ~95% of approved invoice value (provider-published)
Bundle
AR automation + payment collection + invoice advances
Best for
B2B SMEs wanting collections and finance in one platform

Documents you'll typically need

  • Trade licence and Memorandum of Association
  • 6–12 months of business bank statements
  • Filed VAT returns and latest financial statements
  • Invoices or contracts evidencing revenue (for invoice and revenue-based products)

Typical pack for this category — the provider confirms the exact list on application.

Advance rates per provider-published material, Oct 2026.

Verified answers

What does Kema charge for card acceptance?

Kema advertises card payment acceptance starting at 2.75% — one of the few published payment-acceptance rates among UAE SME-focused providers.

Source: kema.co · verified

How much of an invoice does Kema advance?

Kema offers upfront payments of up to 95% on approved invoices to improve business cash flow.

Source: kema.co · verified

What does Kema integrate with?

One-click plugins for popular ERPs and accounting tools including Xero, QuickBooks and Zoho, pitched as setup without technical expertise.

Source: kema.co · verified

Estimate the real cost of financing for your invoices

Alternatives in sme financing

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Frequently asked questions

Is Kema worth it for free-zone companies?

Yes — Kema onboards free-zone entities on its published criteria.

Is Kema worth it for e-commerce merchants?

Yes — Kema supports online selling — card processing from 2.75%.

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