FlapKap
FlapKap is a UAE-based fintech providing AI-driven revenue-based financing to SMEs and e-commerce sellers across MENA, offering fast, collateral-free, equity-free working capital repaid as a flexible percentage of business revenue.
- Company typePrivate
- Founded2022
- HeadquartersAbu Dhabi, United Arab Emirates
- Headcount11–50
- GTM typeB2B
- OfferingServices
What FlapKap does
FlapKap is a UAE-headquartered fintech company (incorporated in Cairo, Egypt in January 2022 and later headquartered at Hub 71 in Abu Dhabi) that provides revenue-based financing to small and medium enterprises across the MENA region. It serves e-commerce sellers, retailers, food and beverage operators, trading and services businesses, and other SMEs that generate healthy revenues but face working capital constraints and limited access to traditional bank funding. Its core value proposition is fast (48-hour), fully digital, paperless funding with no equity dilution and no collateral, where repayments flex with a customer's revenue performance.
The company operates a self-serve digital platform (web and mobile app) built around an AI-driven eligibility and underwriting engine. SMEs connect data sources such as Amazon Seller Central, Shopify, bank accounts, QuickBooks, and Zoho, and FlapKap assesses eligibility using structured financial and business-performance data to generate tailored funding offers and predictive insights. Its product suite spans Revenue Based Funding (the core product), POS Merchant Advance (advancing future POS revenue for restaurants, retail, clinics, and e-commerce), and a Dynamic Credit Line that uses trade receivables as collateral, alongside specialized embedded modules including Amazon Seller Financing, Telr Finance, and Aramex SME Funding. A notable technical differentiator is being the first financing application embedded within Amazon Seller Central in the region.
FlapKap monetizes through a take-rate model: it charges a fixed fee (typically 1.5%–2.5% per month over an expected repayment duration under six months) on funding provided and collects a percentage of the SME's revenues until repaid, with no late fees or penalties and a free application process. Funding amounts typically range from half to one month of a customer's monthly revenue. Go-to-market is a blend of product-led self-serve onboarding, embedded channel partnerships (Amazon, Aramex, Telr), and direct sales for larger SME/mid-market customers. Primary active markets are the UAE and Egypt, with Saudi Arabia expansion planned.
FlapKap firmographics
Firmographics- Name
- FlapKap
- Legal name
- FlapKap
- Website
- https://flapkap.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- FlapKap is a UAE-based fintech providing AI-driven revenue-based financing to SMEs and e-commerce sellers across MENA, offering fast, collateral-free, equity-free working capital repaid as a flexible percentage of business revenue.
- Ownership category
- akta.pro rank
FlapKap industry classification
Industry- Product category
- SME Revenue-Based Financing
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industries
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
Keywords
Where FlapKap is headquartered
LocationHeadquarters
- HQ city
- Abu Dhabi
- HQ country
- United Arab Emirates
- HQ region
- Middle East
Offices3 records
Markets served
FlapKap business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Revenue-Based Financing Fees: FlapKap provides working capital funding to SMEs, charges a fixed fee on the total funding amount, and takes a percentage of revenues until fully repaid. If revenues slow down, repayments slow proportionally. No late fees or penalties. Fixed fee typically ranges from 1.5% to 2.5% per month for the expected repayment duration (under 6 months).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Revenue-Based Funding (RBF) |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
FlapKap product offering
Product offeringCore offering
FlapKap provides revenue-based working capital financing to small and medium-sized enterprises (SMEs) across the MENA region, with a focus on e-commerce sellers, retail, F&B, and clinics. The company funds working capital, charges a fixed fee plus a percentage of the borrower's revenues until repaid, and delivers funding decisions in 48 hours via a fully digital, paperless onboarding process with platform integrations (Amazon Seller Central, Shopify, QuickBooks, Zoho, and bank accounts).
Product overview
FlapKap is a unified fintech platform offering revenue-based financing solutions for SMEs in the MENA region. The core offering consists of three main funding products: Revenue Based Funding (the primary product financing e-commerce working capital), POS Merchant Advance (advancing future revenue for merchants), and Dynamic Credit Line (leveraging trade receivables as collateral). The platform differentiates through speed (48-hour funding), flexibility (revenue-based repayments that scale with business performance), and accessibility (no equity taken, no collateral required). Additional specialized financing modules include Amazon Seller Financing (embedded with Amazon Seller Central), Telr Finance (for Telr merchants), and Aramex SME Funding (for logistics partner's merchants). The platform integrates with multiple business systems (Amazon, Shopify, QuickBooks, Zoho, bank accounts) to verify eligibility and provide AI-driven business insights alongside funding.
Differentiator
Problem solved
Functional benefit
Products and services
- Revenue Based Funding (RBF) FlapKap's primary revenue-based financing product for SMEs — funds e-commerce working capital, charges a fixed monthly fee plus a percentage of the borrower's revenues until repaid, with repayments that flex with monthly revenue. Designed for growing SMEs that want growth capital without equity dilution.
- POS Merchant Advance Merchant cash advance product that advances future POS revenue for restaurants, retail stores, clinics, and e-commerce operations, securing immediate working capital against expected sales with repayments tied to daily revenue.
- Dynamic Credit Line Dynamic credit solution that leverages a business's trade receivables as collateral, providing fast access to funds with flexible draw-down capability — borrowers pay fees only on what they use, giving flexible cash flow management.
- Amazon Seller Financing Inventory financing solution specifically for Amazon sellers in UAE, Egypt, and Saudi Arabia, delivered through an embedded integration within Amazon Seller Central that enables sellers to connect their store and access funding in less than 48 hours to address out-of-stock issues, buy in bulk, and scale advertising spend.
- Telr Finance Revenue-based financing solution for Telr merchants across the UAE, combining Telr's payment gateway with FlapKap's funding engine — includes an insights dashboard and access to e-commerce growth experts for Telr's merchant base.
- Aramex SME Funding Revenue-based funding facilities for Aramex merchants, enabling UAE-based e-commerce SMEs to access working capital for inventory, marketing, and operational needs within 48 hours while benefiting from Aramex's logistics support.
Quantifiable outcome
- Funding decision in 48 hours (compared to weeks/months for traditional bank loans)
- +2 more outcomes
Companies that use FlapKap
Customer profileNamed customers22 records
Segments6 records
Ideal customer profiles2 records
FlapKap technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability2 records
Feature4 records
FlapKap partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and major.
- MastercardcoreFlapKap was selected (only one from the Middle East region) as part of Mastercard's Start Path Small Business program, which supports innovative fintech startups empowering SMEs. Through the program, FlapKap gains access to Mastercard's expertise and network, enabling potential new partnerships and product integrations aligned with Mastercard's mission to digitize and support SMEs.
- AramexcoreStrategic partnership between FlapKap and Aramex (global logistics leader) to provide revenue-based funding facilities to UAE SME merchants. The collaboration enables e-commerce businesses to access working capital financing for inventory, marketing, and operational needs while benefiting from Aramex's logistics support. First partnership in the region combining logistics solutions with revenue-based funding.
- AmazoncoreGroundbreaking collaboration providing the first and fastest financing solution dedicated for Amazon sellers across the Middle East. FlapKap app is the first financing application embedded with Amazon Seller Central, enabling sellers to connect their store and get funded in less than 48 hours. Initially available in UAE and Egypt, with Saudi Arabia expansion planned.
- TelrmajorPartnership bringing FlapKap's Revenue Based Financing solution to Telr merchants across UAE. Combines Telr's secure payment gateway with FlapKap's funding solution, providing Telr merchants with fast approvals (48 hours), flexible revenue-based payback, insightful dashboard, and access to e-commerce growth experts.
Scale indicators5 records
Recent moves8 records
Expansion highlights6 records
FlapKap competitors and assessment
Company assessmentDirect peers
- Wayflyer: Wayflyer provides revenue-based financing to e-commerce and DTC brands globally. Closest comparable peer to FlapKap in product, business model, and target customer — both fund working capital against future revenues with no equity dilution, differing primarily in geographic focus (Wayflyer is US/EU-centric vs. FlapKap's MENA focus).
- Clearco: Clearco offers revenue-based financing and working capital to e-commerce and SaaS businesses. Highly comparable to FlapKap in offering revenue-share financing for online sellers and SaaS companies, with similar focus on speed and non-dilutive capital. Differs in geographic focus (North America/EU vs. MENA).
- Outfund: Outfund provides revenue-based financing to e-commerce and SaaS companies in the UK and Europe. Direct competitor in the RBF-for-digital-businesses niche, offering fast, flexible, non-dilutive funding — comparable mechanics and target customer profile to FlapKap.
- 8fig: 8fig provides AI-driven funding and growth planning for e-commerce sellers, combining working capital with supply-chain insights. Comparable to FlapKap in AI-enabled underwriting and e-commerce focus; differs in offering more hands-on growth planning tools.
- Uncapped: Uncapped provides revenue-based financing to founders and e-commerce/SaaS businesses. Comparable business model (non-dilutive, revenue-share financing) and target customer (growth-stage digital businesses), with similar focus on speed and flexibility.
Broad incumbents
- Funding Circle: Funding Circle is a larger established SMB lending platform operating across the UK, US, and Europe. While not a direct RBF competitor, it addresses a similar SME working-capital gap through term loans and lines of credit, with a broader product portfolio and longer track record.
- BlueVine: BlueVine provides working capital, lines of credit, and banking services to small businesses in the US. Comparable in serving the SME working-capital need, but operates a broader portfolio of products (invoice factoring, lines of credit) rather than pure revenue-based financing.
- OnDeck: OnDeck is an established online small business lender offering term loans and lines of credit to SMEs. Comparable target market (SME working capital) and digital-first delivery, though OnDeck uses more traditional term-loan structures rather than revenue-share mechanics.
Regional players
- Lulalend: Lulalend is a South African SME working-capital lender providing short-term credit to small businesses. Comparable SME-focused, emerging-market fintech model with similar mission of serving underbanked businesses — useful regional peer for emerging-market credit dynamics.
- Tabby: Tabby is a MENA-based fintech offering buy-now-pay-later and consumer credit products. While not a direct RBF competitor, Tabby is one of the leading MENA fintechs addressing underbanked demand and serves as a comparable regional player in the MENA digital-finance ecosystem.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
FlapKap social profiles
Digital presenceFlapKap financial estimates
Financial estimateRevenue estimate
Valuation estimate
FlapKap leadership team
Management profileNumber of profiles
Profiles4 records
FlapKap funding detail
Funding detailFunding overview
Funding rounds4 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FlapKap M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FlapKap
What does FlapKap do?
FlapKap provides revenue-based working capital financing to small and medium-sized enterprises (SMEs) across the MENA region, with a focus on e-commerce sellers, retail, F&B, and clinics. The company funds working capital, charges a fixed fee plus a percentage of the borrower's revenues until repaid, and delivers funding decisions in 48 hours via a fully digital, paperless onboarding process with platform integrations (Amazon Seller Central, Shopify, QuickBooks, Zoho, and bank accounts).
Is FlapKap a public or private company?
FlapKap is a private company. It is classified as venture growth investor backed and is currently operating.
When was FlapKap founded?
FlapKap was founded in 2022. It employs 11 to 50 people.
Where is FlapKap based?
FlapKap is headquartered in Abu Dhabi, United Arab Emirates, in the Middle East region.
How does FlapKap make money?
One revenue line is on record: revenue-Based Financing Fees.
Who are FlapKap's main competitors?
Direct peers on record are Wayflyer, Clearco, Outfund, 8fig and Uncapped. Broad incumbents are Funding Circle, BlueVine and OnDeck. Regional players are Lulalend and Tabby.
Does FlapKap have an API?
No public API is recorded for FlapKap.
What industry is FlapKap in?
FlapKap's product category is SME Revenue-Based Financing. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 52222 and its SIC code is 6153.