February 23, 2026
Dubai, United Arab Emirates – Klaim Holdings Limited today announced the signing of a private credit facility of up to USD 25 million with Amwal Capital Partners (ACP), an independent asset management firm regulated by the Dubai Financial Services Authority (DFSA) and the Capital Market Authority (CMA). The facility comprises a USD 15 million committed tranche and an additional USD 10 million uncommitted tranche, formalized at the Dubai International Financial Centre (DIFC).
Supporting Klaim’s Next Phase of Growth
The credit facility is designed to accelerate Klaim’s transformation from a regional healthcare payment leader into a multi-vertical, multi-market liquidity solutions platform. The partnership provides dedicated capital to expand operations across the GCC and scale Klaim’s presence in the United States.
Klaim has established itself as a market leader in healthcare payment acceleration in the Middle East, addressing structural delays in insurance reimbursements and enabling providers to stabilize cash flow and maintain operational continuity. With this new facility, Klaim will extend its sector-specific expertise into adjacent verticals, addressing an estimated USD 200 billion liquidity gap across the GCC due to delayed payments and working capital constraints.
Regionally, the funding will support continued leadership in healthcare while enabling new vertical solutions tailored to service-based industries. Internationally, the facility underpins Klaim’s U.S. strategy, where Klaim USA is tackling payment inefficiencies in the world’s largest healthcare market, estimated at over USD 5 trillion annually.
Leadership Perspectives
Karim Dakki, Co-Founder and CEO of Klaim, commented:
“This facility marks a clear shift from market entry to execution at scale. After establishing leadership in healthcare payment acceleration across the region, we are now expanding vertically and geographically. This partnership gives us the capital structure to scale responsibly in the GCC while accelerating our U.S. roadmap through Klaim USA.”
Fadi Arbid, Co-Founder and Chief Investment Officer of ACP, said:
“This facility reflects our confidence in Klaim’s operating model and its ability to deploy capital across sectors and geographies. Klaim’s growth demonstrates the rising demand for asset-backed financing in the GCC.”
Sharif Eid, Head of Private Credit at ACP, added:
“Klaim has evolved into critical financial infrastructure for healthcare. Its platform combines disciplined capital deployment with deep integration into healthcare workflows, positioning it for structured financing as it expands into new markets and verticals.”
Klaim’s Impact
Since its inception, Klaim has accelerated over USD 160 million in receivables, enabling service providers to unlock liquidity tied up in delayed payments. The platform helps businesses improve cash-flow predictability and operational resilience, with distinct governance structures, investor bases, and market-specific strategies.
About Klaim
Klaim is a fintech group that develops liquidity solutions to address payment delays and working capital gaps in healthcare and other delay-prone sectors. Originating in the UAE, Klaim has become a market leader in healthcare payment acceleration across the GCC and is expanding its capabilities into new verticals and international markets.
About Amwal Capital Partners (ACP)
Amwal Capital Partners is an independent asset management firm focused on the Middle East and North Africa (MENA) region. Its investment team brings decades of experience across diverse asset classes, including public equities, public fixed income, and private credit. ACP operates through Amwal Capital AlMaliyah, based in Riyadh, Saudi Arabia (regulated by the CMA), and Amwal Capital Partners Limited, based in Dubai, UAE (regulated by the DFSA).
