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Kliq

Stables powered Operating System for SME finance

Finance that moves at the speed of your sales.

Kliq embeds within supplier online and offline workflows to finance SME payments to merchants instantly.

Approvals ≤ 30 minutes
Limits: Upto AED 1,000,000
Payout speed: 24 hours

Request a demo

Product features

Built for embedded, instant, and transparent SME financing.

Embedded at checkout: Offer financing directly in checkout.
Telemetry-driven limits: Live data powers instant credit decisions.
Flexible tenor bands: Choose tenors that match SME cash flow.
Collections by architecture: Built-in controls protect repayment quality.

For suppliers and marketplaces

Offer credit when SMEs place orders and still get paid today.

Instant T+0 supplier payout.
Pre Approves Credit limits to your SMEs.
No collections load for suppliers; risk and cures remain with Kliq.

Infrastructure outlook: From CSV launch to API-grade automation. Integrate Kliq into your stack without replacing your entire checkout architecture.

How Kliq works

One onboarding. Continuous supplier payments.

SMEs complete a one-time eligibility check, then suppliers and merchants can request or send payments via app and QR.

01 Quick eligibility check — SME submits key business details and gets an instant signal.
02 Complete onboarding — Finish setup once to unlock approved limits and payment controls.
03 App or QR payment request — Supplier or SME can initiate payment through digital or in-store flow.
04 Kliq processes payment — We execute settlement and sync records for both parties.

FAQ

Clarity by design.

Is this a loan?

No. Kliq purchases goods on your behalf and sells to you at a disclosed profit under Murabahah principles.

How fast is the decision?

Once POS and bank data are linked, most decisions are returned within minutes.

Where does the money go?

Funds go directly to the supplier, keeping settlement clean and transparent.

What if I repay early or late?

Early repayment reduces total payable profit. Late fees are admin-only, with no compounding and an option for charitable donation routing.

Can I start without APIs?

Yes. Start with CSV uploads and migrate to API once transaction volume grows.

Ready to integrate?

Turn every SME order into instant supplier cashflow.

Request demo