What Klaim does

Klaim is a UAE-based healthcare fintech founded in December 2019 by Karim Dakki and Ahmad Ghafour, headquartered in Dubai with operational offices in Abu Dhabi, Saudi Arabia, and Oman. The company operates an AI-powered payment acceleration platform that converts pending insurance claims and invoices into near-instant liquidity, advancing up to 90% of claim value to healthcare providers, SMEs, and real estate businesses within 24 hours. Its product suite comprises Klaim Health (healthcare claims acceleration), Klaim Flow (SME invoice financing with an escrow model), Klaim Estate (real estate payment solutions), and Klaim Eligible (insurance eligibility verification). Underlying capabilities include AI-driven document verification and real-time creditworthiness risk assessment that determine advance amounts within minutes, with automatic repayment collection from payers upon settlement.

The business model is a non-debt receivables purchase model: Klaim purchases eligible receivables at up to 90% of face value, charges a transaction fee on settlement by the payer, and assumes no collateral or personal guarantee from the provider. Pricing is quote-based and pay-as-you-go with no lock-in contracts, and Sharia-compliant financing options are available. Klaim serves 200+ businesses and is trusted by enterprise healthcare groups (e.g., Dr Sulaiman Al Habib Medical Group) as well as mid-market clinics and SMEs across diverse verticals. The company is venture-backed, with disclosed funding of approximately $32.6M+ across pre-series A, seed, Series A, and a 2025 strategic investment from Claritev Corporation that also provides US and MENA distribution.

Klaim's go-to-market combines a product-led self-serve application for SMBs with enterprise sales through the Claritev co-branded platform and institutional backing from Dubai Healthcare City, WIO Bank, Emirates Development Bank, and Tharawat. Current operations span UAE, KSA, and Oman, with active expansion into the US market via the Claritev partnership. The company was awarded Best User Experience 2025 by the FinTech Awards.

Name

Klaim

Legal name

Klaim AI

Website

https://klaim.ai

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Klaim is a UAE-based healthcare fintech that converts pending insurance claims and invoices into near-instant liquidity for healthcare providers, SMEs, and real estate businesses, advancing up to 90% of value within 24 hours across MENA and the US.

Ownership category

akta.pro rank

Product category

Healthcare Payments & Receivables Financing

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Healthcare payment acceleration
• Medical receivables financing
• AI invoice factoring
• SME working capital
• Insurance claim advance

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Receivables Purchase / Factoring: Klaim purchases medical receivables from healthcare providers at an advance rate (up to 90% of claim value). The company earns revenue through fees charged when the claim is settled by the payer. Providers repay only when the client or payer settles the claim.
2. Working Capital Solutions: Provides working capital solutions to small and midsize healthcare providers by purchasing their outstanding insurance claims, addressing cash flow issues caused by delayed claim payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Klaim is a healthcare-focused fintech that purchases pending insurance claims and invoices from healthcare providers, SMEs, and real estate companies, advancing up to 90% of the value within 24 hours via an AI-powered verification and risk assessment platform. The company earns a transaction fee when the payer or client settles the underlying receivable, providing working capital without loans, collateral, or personal guarantees.

Product overview

Klaim is a multi-sector payment acceleration platform that helps healthcare providers, real estate agents, and SMEs get paid within 24 hours without loans or red tape. The platform consists of three core products: Klaim Health (healthcare payments and insurance claims processing), Klaim Flow (invoice financing for SMEs), and Klaim Estate (real estate payments). The company uses AI-powered verification and real-time risk assessment to evaluate creditworthiness and advance up to 90% of claim value within 24 hours. Repayment occurs only when the client or payer settles the claim.

Differentiator

Problem solved

Functional benefit

Brands

• Klaim Flow: Invoice financing and escrow model solution for SMEs with large invoices and long receivables
• Klaim Health
• Klaim Estate

Products and services

• Klaim Health Healthcare payment acceleration platform that helps healthcare providers (clinics, medical centers, hospitals, diagnostic centers) receive insurance claim payments within 24 hours. Converts pending insurance claims into near-instant liquidity, addressing cash flow issues caused by 90+ day delayed claim processing. Advances up to 90% of claim value.
• Klaim Flow Invoice financing solution with an escrow model for SMEs with large invoices and long receivables cycles. Converts pending client invoices into immediate working capital within 24 hours without taking on debt, enabling bulk purchasing, seasonal inventory, and growth investments.
• Klaim Estate Payment acceleration solution for real estate professionals, enabling property agents and property management companies to unlock payments stuck in complex real estate transaction systems and receive funds within 24 hours.
• AI-Driven Payment Acceleration Platform (Claritev-Klaim Co-Branded) Co-branded enterprise healthcare payment acceleration platform developed with Claritev Corporation, integrating Klaim's AI-powered claim verification and risk assessment with Claritev's analytics platform to serve healthcare providers of all sizes in the US and MENA regions.

Quantifiable outcome

• Payment time reduced from 90+ days to 24 hours
• +2 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered minor.

• Dubai Healthcare CityminorOthersDubai Healthcare City is a partner institution backing Klaim, shown in the 'Trusted by institutions that drive innovation' section of the website.
• WIO BankminorOthersWIO Bank is a partner institution supporting Klaim, listed in the 'Trusted by institutions that drive innovation' section.
• Emirates Development Bank (EDB)minorOthersEmirates Development Bank is listed as a partner institution backing Klaim's mission to unlock fast, flexible working capital.
• TharawatminorOthersTharawat is a partner institution supporting Klaim, shown in the 'Trusted by institutions that drive innovation' section of the website.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Stenn: Stenn is a global fintech that provides invoice financing and receivables purchasing for SMEs and exporters. It is directly comparable to Klaim Flow because both purchase receivables to deliver short-term working capital advances on similar underlying economics.
• Hokodo: Hokodo offers B2B trade credit and invoice financing embedded into payments platforms across Europe. It mirrors Klaim's invoice-financing / receivables-purchase model and its strategy of distributing through partner ecosystems rather than direct lending only.
• Resolve: Resolve provides B2B invoice payments and financing that converts receivables into immediate working capital for businesses. It is closely comparable to Klaim Flow in product, customer (SME suppliers), and revenue model (transactional fee on accelerated receivables).
• Candid Health: Candid Health is a US healthcare revenue cycle management and claims-processing platform. It overlaps with Klaim Health's AI-driven claims verification and payment acceleration logic, targeting similar provider pain points around insurance reimbursement.
• Collectly: Collectly modernizes patient billing, payments, and collections for US healthcare providers. It is comparable to Klaim on the patient- and payer-side payments workflow for healthcare providers, with shared focus on reducing days-to-payment.
• Cedar: Cedar is a US healthcare patient financial experience platform that modernizes medical billing and payment flows for providers and patients. It is directly comparable to Klaim Health as both operate in healthcare payments, addressing slow reimbursement cycles with technology-driven solutions.

Regional players

• Beehive: Beehive is a UAE-based peer-to-peer lending platform financing SMEs in the MENA region. It is a relevant regional comparable for Klaim Flow given overlapping geography, SME customer base, and short-term working-capital product positioning.
• Funding Souq: Funding Souq is a UAE/MENA digital marketplace lender focused on SME financing. It overlaps with Klaim's invoice-financing and working-capital offering for SMEs, serving as a regional peer in adjacent business models.

Broad incumbents

• Coface: Coface is a global trade credit insurer and receivables-financing incumbent. It operates in the broader receivables and credit-insurance space that encompasses Klaim's factoring activities, and is comparable as a benchmark for capital-intensive receivables underwriting at scale.
• Taulia: Taulia (owned by SAP) is a global supply chain finance and early-payment platform enabling buyers and suppliers to optimize working capital. It is a broad incumbent comparable to Klaim Flow given the shared receivables-acceleration thesis and enterprise distribution strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds10 records

Investors12 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Klaim