1 Eligibility & Application (#1–15) #QuestionShort, Plain-English Answer1Who can apply?Any legally registered company or sole establishment in the GCC that has ≥ 6 months of verifiable revenue.2Home-based licence okay?Yes—e-commerce or service licences from Dubai DED, Sharjah Media City, Riyadh Monsha’at, etc., are all eligible.3Free-zone
Company Snapshot Sector: Home fragrance Founded: 2022 Start GMV: AED 120 K/month Gross Margin: 55 % Sales Channels: Shopify + noon Round-by-Round Timeline MonthAdvanceFeeUse of FundsGMV after 60 days0200 K30 KRamadan inventory300 K3300 K42 KTikTok & IG ads550 K6500 K75 KHire 4 fulfilment staff800 K9800 K120 KLaunch KSA warehouse1.4 M121.
Stage 1 Launch (0-12 Months Revenue) * Source: Founder savings, supplier credit, micro-RBF ≤ AED 250 K. * Goal: Validate product, hit 5-figure monthly revenue. * Tip: Keep monthly debt service < 20 % gross profit. Stage 2 Early Growth (Year 1-2) * Add: KCTL top-up, bank overdraft backed by receivables. * Blend Target: 70 % RBF, 30
1 Why Live Data Beats PDFs * Real-time eligibility—no outdated statements. * Dynamic top-ups—capital grows with you. * Fraud shield—impossible to fake live gateway figures. 2 The 5-Minute Connection Walk-Through StepWhat You ClickWhat Happens in Background1“Connect Shopify” (or Talabat POS / Stripe / Tabby, etc.)OAuth token encrypted; KCTL never sees
Introduction – From Sign-Up to AED in the Bank Founders are busy; they deserve to know exactly what happens after they hit Apply. Here’s the blow-by-blow. Clock What You See What We Do Behind the Scenes 00:00 Create password, choose Arabic / English Encrypt your profile, open a secure data
Definition: Capital today, repay a pre-set % of revenue until a capped amount is reached. Example: Advance AED 100 K → repay 10 % of monthly sales until AED 130 K returned. Term LoanRBFEMIFixedVariableInterestCompoundFlat feeCollateralOftenNoneApprovalWeeksDays CTA: Run our RBF simulator—see real costs instantly. Debt vs. Equity: Which Suits Your Stage? Equity = shares
Snapshot A Dubai-born skincare label kept selling out but couldn’t restock ahead of Ramadan. Advance: AED 500 K Use: bulk inventory + two halal-certified SKUs Repayment share: 8 % of daily sales MonthActionResult1Restock hero items+45 % revenue2Launch new SKUAvg. basket size ↑ 17 %4Influencer push pre-EidBreaks daily sales record6Line repaid3× initial revenue
Introduction – Trust Is Earned Sharing revenue dashboards and bank feeds feels risky—unless the platform proves it’s worthy. ConcernKCTL ResponseData privacyAES-256 encryption end-to-endHidden costsFull fee summary before you signFunding certaintyAvg. disbursal < 24 hrs post-signing“Is this like informal lending?”Licensed, audited, transparent Proof in the Metrics * 500 + Gulf-based
Introduction – Rules Build Trust, But They Needn’t Stall Growth Regulations protect founders and investors alike, yet terms like ESR, VAT, AML, and UBO make entrepreneurs dizzy. Compliance Puzzles We Solve * Which docs? Trade licence, VAT cert, Emirates ID? We label them. * What format? JPEG vs. PDF, under 5 MB?
Introduction – Growth Shouldn’t Gut Your Margins You’re scaling, eyeing new markets—yet the cheapest loan you can find starts at 16 % p.a. Sound familiar? Hidden Price Tags of Traditional Debt * Compounding interest eats profit. * “Arrangement” and “processing” fees pile on. * Fixed EMIs crunch cash-flow during summer lulls.
Introduction – Tools Only Help if People Can Use Them Fintech promises speed and access, yet many founders feel locked out by jargon-heavy dashboards and dead-end chatbots. Inclusion isn’t a buzzword; it’s the difference between thriving in Dubai and stalling in Sharjah. Barriers That Still Bite * Low tech confidence
Introduction – Capital Still Feels Complicated Digital-first brands in the Gulf move at the speed of a tap, yet many lenders still move at the speed of a stamp. Endless forms, collateral demands, and “check back after Eid” replies leave founders stuck in neutral just when growth is red-hot. Four Pain