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Kliq

AI-powered operating system for SME Finance

Kliq helps SMEs settle approved invoices faster, embeds within your workflows, and makes merchant payments simple and transparent.

Approvals ≤ 30 minutes
Drawdowns ≤ 30 minutes
DPD30 < 5% (pilot)

Finance that moves at the speed of your sales

Product Features

Embedded at checkout: Pre-approved carts. T+0 to Settlement.
Telemetry-driven limits: POS, bank, invoices/GRNs.
Flexible Tenor bands: 10, 30, 60, 90 days
Collections by architecture: Payout sweep + delivery-block.

For Suppliers/Marketplaces

Offer halal terms at checkout, get paid today

Instant T+0 payout: You ship. We settle today.
Pre-approved carts: Lift AOV & GMV.
Shared upside: Retention up, churn down.
No collections load: Risk & cures on us.
CSV → API in weeks: Start light, scale fast.

FAQ

Is this a loan?

No. We purchase goods on your behalf and sell to you at a disclosed profit under Murābaḥah.

How fast is the decision?

Minutes once POS/bank are linked.

Where does the money go?

Directly to your supplier (not to your personal account).

What if I repay early?

You pay less, profit scales with tenor.

What happens if I'm late?

Admin-only late fee. No compounding. Charity donation option.

Can I start without APIs?

Yes, begin with CSV uploads. Move to API when ready.

Ready to integrate Kliq in your checkout?

AAOIFI-aligned. Same-day supplier payout. No interest. No compounding.

Request a demo