Klaim · Receivables financing (healthcare)
Klaim
Buys medical-insurance receivables so clinics get paid in ~24 hours instead of waiting 90+ days on insurer claims — Emirates Development Bank partner.
Is Klaim worth it?
- free-zone companies: Klaim onboards free-zone entities on its published criteria.
Eligibility
- Not suitable for
- businesses without B2B receivables — Klaim finances payable invoices, so consumer or cash-sale businesses have nothing to advance against. Companies wanting term loans or equity
Business operations
- Approval time
- ~24-hour funding on approved claims (provider claim)
- Free-zone companies
- Yes
Details
- Sector
- Healthcare providers — clinics, labs, pharmacies
- Advance
- Up to ~90% of claim value (provider-published)
- Partner
- Emirates Development Bank partnership
How onboarding goes
- Application: Submit the request through the provider’s channel and upload documents
- Compliance review: KYC checks and document verification
- Decision: Typical timing: ~24-hour funding on approved claims (provider claim)
- Go live: Access activated and the product is live
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.
Funding speed and advance rates per provider-published material and EDB partnership announcement, Oct 2026.
EDB partnership announcement, Oct 2026.Verified answers
What does Klaim finance?
Klaim finances pending medical insurance claims for UAE healthcare providers — clinics and hospitals waiting on insurer reimbursements get cash upfront instead of the typical 90-plus-day cycle.
Source: klaim.ai · verified
How fast does Klaim pay providers?
Provider testimonials on the site describe receiving funds within 24 hours on claims that previously took 90+ days to be reimbursed.
Source: klaim.ai · verified
What is Klaim Eligible?
A patient insurance-eligibility verification product that digitizes what was a slow manual check at the clinic front desk.
Source: klaim.ai · verified
Frequently asked questions
Is Klaim worth it for free-zone companies?
Yes — Klaim onboards free-zone entities on its published criteria.