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1 Why Live Data Beats PDFs * Real-time eligibility—no outdated statements.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
So, you’ve decided to dive into the world of e-commerce by selling on Amazon India - fantastic choice! Amazon India is a powerhouse of opportunity, with 450+ million visitors ready to discover your products. Whether you’re a seasoned entrepreneur or just starting out, we’ve got you covered.
Imagine a world where accessories don’t just complement your outfit - they boldly make a statement. Enter Hexafun, a Delhi-based brand redefining everyday essentials with a vibrant splash of colour and a touch of whimsy. Since partnering with Klub for debt financing in early 2024, Hexafun has accelerated its
The festive season is officially in full swing in India—kitchens are filled with the aroma of seasonal treats, and we're busy curating the perfect gifts for family and friends, from the latest gadgets to thoughtful, personalised presents. With Independence Day, Rakshabandhan, Janmashtami and a host of other
At eFeed, precision is more than just a buzzword; it’s the essence of their revolutionary approach to animal management and nutrition. Founded by Kumar Ranjan in Pune, Maharashtra, in 2021, eFeed leverages artificial intelligence to provide personalised feed recommendations that enhance yields and reduce methane emissions. This innovative startup