Kema

Kema is revolutionizing how B2B SMEs in MENA manage their cash flow. By combining A/R automation, embedded payments, and invoice financing into one platform, the UAE-based startup empowers businesses to digitize collections, improve on-time payments, and unlock instant liquidity. With proprietary credit scoring built from ERP and payment data, Kema helps SMEs overcome late payments and limited financing access—long-standing barriers to growth in the region.

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‍By embedding itself at the core of the invoice-to-cash cycle, Kema is bridging the gap between fintech and everyday business operations. Kema facilities more than $50M in annual receivables, improves collections by up to 40% and streamlines collection processed by more than 50%. As MENA moves toward further digitization and a cashless economy, Kema is uniquely positioned to become the financial operating system for the region’s $3T B2B economy.