Wafeq × Kema: Simplifying SME Finance in the Middle East
Wafeq and Kema have joined forces to deliver a connected, end-to-end financial solution for SMEs in the Middle East — combining smart accounting, automated receivables, and flexible financing to help businesses gain control of their cash flow and scale with confidence.
Why This Partnership Matters
For too many SMEs across the region, late payments and unpredictable cash flow remain everyday challenges.
Finance teams spend countless hours reconciling invoices, chasing collections, and juggling liquidity — all while trying to stay compliant with VAT and corporate tax requirements.
The Wafeq × Kema partnership addresses these pain points head-on by bringing together:
- Wafeq’s modern accounting and e-invoicing platform, trusted by thousands of businesses across the Middle East for VAT compliance, payroll, and reporting.
- Kema’s working capital and receivables automation platform, which simplifies collections, accelerates cash inflows, and enables SMEs to access liquidity when needed.
Together, the two platforms create a unified financial ecosystem — one that gives SMEs real-time visibility, faster access to cash, and more predictable growth.
What Businesses Can Expect
Through this integration, Wafeq users can now connect Kema directly to their accounting system in just a few clicks. Once connected, finance teams can:
1. Automate Invoicing and Collections
- Send invoices automatically with embedded payment links (including card, Apple Pay, and Sadad options).
- Schedule reminders via email, SMS, or WhatsApp to eliminate manual follow-ups.
- Reduce overdue receivables and free up time for higher-value work.
2. Sync Data Seamlessly Across Systems
All invoices, payments, and customer data stay fully synchronized between Wafeq and Kema.
This ensures one accurate, up-to-date view of your accounts receivable — no double entry, no manual reconciliation.
3. Access Liquidity When It’s Needed
With Kema’s invoice financing options, SMEs can turn unpaid invoices into cash within 1–2 business days or extend payables by up to 60–90 days.
This helps maintain liquidity during slow payment cycles without disrupting customer relationships.
4. Stay Compliant and in Control
Kema complements Wafeq’s VAT capabilities, keeping businesses compliant with UAE and KSA requirements while improving financial control.
How This Empowers SME Finance Teams
This partnership gives finance teams more than automation — it gives them control and confidence.
By connecting accounting, receivables, and financing in one workflow, SMEs can:
✅Shorten their cash conversion cycle
✅ Eliminate manual bottlenecks
✅ Manage compliance effortlessly
✅ Focus on growth instead of chasing payments
As Michael Ghandour, Founder & CEO of Kema, put it:
“At Kema, we’ve always believed SMEs need greater control over their cash flow to unlock growth. Our partnership with Wafeq, a best-in-class accounting solution, creates a complete financial ecosystem for these businesses — unifying data and processes across receivables, payments, financing, and compliance.”
Setting a New Standard for SME Finance in MENA
The Wafeq × Kema partnership represents a major step forward for financial infrastructure in the Middle East.
It connects two best-in-class regional fintech platforms to offer a seamless, locally compliant, and easy-to-use solution built for the realities of GCC SMEs.
From accounting to collections to cash flow, this collaboration empowers businesses to:
- Operate more efficiently through automation.
- Manage cash proactively with real-time visibility.
- Access working capital when opportunities arise.
Together, Wafeq and Kema are helping shape the next generation of SME finance — one where small and mid-sized businesses can run their finances with the same sophistication and speed as large enterprises.
About Wafeq
Wafeq is a modern accounting and e-invoicing platform built for businesses and accountants in the Middle East. With powerful automation, local compliance, and multi-entity support, Wafeq enables thousands of companies to manage VAT, payroll, and financial reporting — all in one place.
About Kema
Kema helps SMEs master their cash flow and power growth. Our all-in-one working capital platform unifies receivables, payments, and financing to deliver stronger cash flow outcomes — accelerating collections, reducing manual effort, and unlocking liquidity. Named one of Dubai’s top 33 startups to watch, Kema is shaping the future of SME finance across the region.
Ready to simplify your finance stack?
Connect Wafeq and Kema today to gain full visibility, faster collections, and smarter control of your cash flow.
👉 Learn more or book a demo here
