Kema: Powering SME Cash Flow in the MENA Region

Founded in 2023 by serial entrepreneur Michael GhandourDealroom has a profile for this one. Try Dealroom →, Kema is a Dubai-based fintech startup on a mission to transform how SMEs across the MENA region manage their cash flow. With deep roots in the regional startup ecosystem—Ghandour previously co-founded Mumzworld—Kema emerges as a timely solution to one of the most persistent problems for small and medium-sized businesses: getting paid on time.


Kema offers a streamlined SaaS platform that digitizes and automates the entire invoice-to-cash journey. By eliminating manual processes and embedding smart features like automated reminders, real-time tracking, and integrated payment links, the platform enables businesses to dramatically reduce the time and effort needed to collect receivables. It also integrates seamlessly with popular accounting tools, offering a plug-and-play experience that simplifies adoption.


Kema isn’t just a tech tool—it’s a lifeline for the over half a million B2B SMEs in the region grappling with delayed payments and limited financing options. By speeding up collections and offering real-time visibility into receivables, the platform strengthens operational resilience and improves working capital management. This is particularly crucial in a region where business payment volumes exceed $1.5 trillion and where traditional B2B processes often remain paper-based or fragmented.


What sets Kema apart is its ambition to be more than just another fintech: it aims to be the cash flow infrastructure layer for the MENA region. In doing so, it not only empowers SMEs to scale with confidence but also plays a critical role in driving financial digitization across the region’s fast-evolving business landscape.

Sources:

Postmoney
Rasmal
Abu Dhabi SME Hub

R.B