# Klaim AI

> AI\-powered receivables financing and insurance claims management for healthcare providers and SMEs

## At a glance

| Field | Value |
| --- | --- |
| Category | Claims Technology |
| Type | Solutions Provider |
| Headquarters | Dubai, United Arab Emirates |
| Founded | 2019 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Series A |

## Overview

Klaim AI is a receivables financing and claims management platform for healthcare providers, real estate brokers, and SMEs operating in the MENA region. The company was founded in 2019 by Karim Dakki and Ahmad Ghafour in Dubai, UAE, and targets businesses that face cash flow delays from unpaid insurance claims or invoices.

The platform uses AI to verify documents and assess creditworthiness in real time, enabling clients to receive advances of up to 90% of pending claim or invoice value within 24 hours. Core products include Klaim Health (insurance reimbursement financing for healthcare providers), Klaim Flow (invoice financing for SMEs), Klaim Estate (commission financing for real estate agents), and Klaim Eligible (digital insurance eligibility verification). The platform integrates with Salesforce and accounting software and operates on AWS infrastructure with SOC 2-compliant security controls.

Klaim serves 200+ businesses across the UAE, Saudi Arabia, and Oman. In March 2025, the company raised USD 26M (USD 10M Series A led by Mad'a Investment plus USD 16M in debt financing) to accelerate MENA expansion. Institutional backers include CDG Invest, Emirates Development Bank, Cedar Mundi Ventures, Future100, and 13 additional investors.

## Products & services

### Klaim Health

Insurance reimbursement financing platform for healthcare providers. Enables providers to submit unpaid insurance claims digitally and receive same-day advances instead of waiting 60-90 days for reimbursement.

**Key features:**

- Digital claim submission and AI\-powered document verification
- Same\-day payout of up to 90% of claim value
- Automatic repayment triggered when the underlying claim settles

*Target users:* Hospitals, medical centers, clinics

### Klaim Flow

Invoice and receivables financing for SMEs with large invoices and extended payment terms.

**Key features:**

- Same\-day working capital against pending invoices
- AI\-driven real\-time creditworthiness assessment
- No debt instrument \-\- advances repaid from invoice collection

*Target users:* SMEs, businesses with B2B receivables

### Klaim Estate

Commission financing for real estate brokers and agents.

**Key features:**

- Immediate commission payout after sale confirmation
- Eliminates waiting for escrow processing cycles
- Integrated with brokerage workflows

*Target users:* Real estate brokers and agents

### Klaim Eligible

Digital insurance eligibility verification tool.

**Key features:**

- Automated eligibility checks replacing manual processes
- Real\-time verification results
- Error reduction through digital processing

*Target users:* Healthcare providers, clinics

## Category & focus

- Subcategories: Claims Financing, Eligibility Verification, Working Capital
- Insurance verticals: Health
- Target customers: Carriers, TPAs

## Notable customers

- DISC
- Dr\. Sulaiman Al Habib Medical Group
- Transform Specialist Medical Center
- Qamar Al Madina Medical Center
- Almazroui Medical Center
- Amber Clinics
- OPENMINDS
- YASMED

## Links

- Website: <https://www.klaim.ai>
- Directory profile: <https://insurtechlist.com/companies/klaim-ai/>
- Careers: <https://www.klaim.ai/careers>
- Linkedin: <https://linkedin.com/company/klaim-ai/>
- Press/news: <https://www.forbesmiddleeast.com/innovation/startups/uae-based-fintech-startup-klaim-secures-26m-in-funding-to-boost-regional-expansion>

---

*Last updated: 2026\-05\-17*