Klaim

Klaim is a healthcare-focused fintech that accelerates payments for medical providers by purchasing their pending insurance receivables and advancing cash, typically within 24 hours of claim submission. Its platform combines an AI-driven claim management SaaS layer with financing: providers upload unpaid claims, the system performs automated verification and real-time risk assessment, and approved claims are funded at up to 90% of value. Repayment occurs when the insurer or payer settles, and fees are performance-based rather than structured as a loan requiring collateral or personal guarantees.

Beyond healthcare, the company markets Klaim Flow, an invoice-financing and escrow product for SMEs with large invoices and long receivable cycles, and a proposition for real estate agents facing commission delays. A separate module, Klaim Eligible, handles digital insurance eligibility verification for providers. The company describes AI-powered denial prediction and claims analytics built on a data repository used to forecast insurer payment behaviour, addressing a market where claims commonly take 90-120 days to settle and face high denial rates.

Klaim was founded in 2019 by Karim Dakki (CEO) and Ghafoor Ahmad (co-founder and global chief revenue officer, also rendered Ahmad Ghafour). It operates in the UAE and Saudi Arabia, with a Dubai office at Indigo Icon Tower and contact lines for the UAE, Saudi Arabia and Oman, and a US entity, Klaim, Inc., following a strategic investment from Claritev Corporation.

Founding story

Karim Dakki and Ahmad Ghafour launched Klaim in Abu Dhabi in December 2019 after informal discussions among friends with shared entrepreneurial interest in the medical sector. On learning that healthcare providers struggled with complicated claim filing, rejections and payment delays, they built a platform to vet and purchase low-risk claims and advance cash to providers.

Business model

Klaim purchases healthcare receivables and invoices rather than lending: providers and SMEs sign a receivables purchase agreement, receive up to 90% of claim or invoice value within 24 hours, and Klaim collects the advance plus a fee when the payer settles. Fees are described as performance-based with no collateral or personal guarantee. The founders describe a three-pillar model combining technology automation for claims and revenue cycle management, capital services via receivables purchases, and maintenance/managed services, bundled as what the company calls revenue cycle management 2.0.

Revenue comes from fees charged on advanced claim and invoice amounts, collected when the underlying payer settles, alongside SaaS-style claims management and eligibility verification services.

Traction

By late 2022 the company reported managing claims worth over AED 700 million, supporting more than 100 medical entities across the UAE and Saudi Arabia, around $2 million in annualised revenue and a team of roughly 50 people. The website states 200+ businesses served, and the company has cited more than 15 million transactions processed in Dubai hospitals.

Latest developments

In November 2025 Claritev Corporation made an undisclosed strategic investment in Klaim, Inc. to support a co-branded payment acceleration platform, integration with Claritev's ACE analytics and scaling across the US and MENA. The company also states it was named Best User Experience 2025 and has broadened its product line from healthcare claims into SME invoice financing (Klaim Flow) and real estate agent commissions.