Provider profile
Kema
Raqma's read on Kema
Raqma's read on Summarised from catalogue fields — not a paid placement.
- Products tracked
- 1 across 1 category (SME financing)
- Licence status
- No UAE licence on record — verify directly
- Free-zone acceptance
- 1 of 1 products accept free-zone licences
- Last reviewed
In short: Kema has a focused offer in the UAE sme financing space. No UAE licence is verified in our catalogue — confirm regulatory status directly before applying.
Is Kema right for you?
Fit read from catalogue fields — not a recommendation, confirm terms with the provider.
- UAE SMEs
- Partial fit 1 product tracked across 1 category
- E-commerce merchants
- Strong fit 1 payment product — gateway rates from 2.75%
- Free-zone companies
- Strong fit 1 of 1 products accept free-zone licences
- Import-export businesses
- Limited No cross-border products tracked
- Startups needing corporate banking
- Partial fit Approval details not yet verified
Strengths and watch-outs
Aggregated across the tracked Kema catalogue — exact terms are on each product page.
Where Kema stands out
- Accepts free-zone licences
- Card rate from 2.75%
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.
Xero, 
QuickBooks and 
Zoho, pitched as setup without technical expertise.Source: kema.co · verified
Kema products
Frequently asked questions
Is Kema licensed in the UAE?
We could not verify a UAE licence for Kema in our catalogue. Check the provider’s regulatory status directly before applying.
What Kema products can I compare here?
We track 1 Kema product: Kema. Each entry shows the published fees, requirements and approval details.
How do I apply for Kema?
Raqma is a comparison service — we do not process applications. Review the products on this page, then continue to Kema’s own onboarding through the outbound links.