Kema

At a glance

• Editor score
  5.7 / 10
• Pricing
  Pricing on request
• Best for
  SMEs seeking invoice advances and payment automation
• Maximum advance rate
  95 %
• Facts checked
  29 Sep 2026

• Where it wins

  • Advances of up to 95% on approved customer invoices
  • Payment extensions of up to 60 days on vendor invoices
  • Automates follow-ups, reconciliation, and accounting sync

• Where it doesn't

  • Financing terms and eligibility depend on Kema's assessment
  • Requires sales contact for pricing
  • Cloud product is listed for web, with no other platform listed

Our verdict on Kema

Kema combines B2B receivables tools with financing for small and mid-market businesses. Companies can seek advances against approved customer invoices or extend payment terms on vendor invoices, while using workflows for invoicing, collections, and receivables management. The published feature details specify advances of up to 95% on approved invoices and extensions of up to 60 days on vendor invoices. Kema is aimed at SMEs, including businesses in MENA, that want financing alongside payment operations rather than a standalone invoice-advance tool.

The financing model is a receivables line, and the invoice-financing page reports an average two-day assessment and approval period. That is not a guaranteed funding time: Kema also says funds may arrive within hours of invoice approval, while financing terms and eligibility remain subject to its assessment. Buyers should therefore distinguish the assessment period from when cash will be available, and confirm their own terms with Kema before relying on a particular funding schedule.

Kema’s operational scope may matter as much as the advance itself. Built-in plugins support ERP data submission, and the platform offers automated invoice follow-ups, invoice status and engagement visibility, payment reconciliation, and accounting sync. Listed accounting integrations are QuickBooks, Xero, NetSuite, and Zoho. Pricing is through sales contact. Kema is a fit for businesses that want these receivables workflows connected to financing; businesses seeking transparent published pricing or a financing product without accompanying automation may prefer to compare alternatives.

Kema pricing

Kema fact sheet

Kema integrations

Kema lists 4 integrations on its own site.

• QuickBooks
• Xero
• NetSuite
• Zoho

See all Kema integrations →

Alternatives to Kema

• CSCommBank Stream Working CapitalA bank lending facility that turns eligible unpaid invoices into working capital.9.0
• HSHSBC Supply Chain FinanceA buyer-led financing programme for larger supply chains, not a self-serve receivables tool.8.2
• HTHSBC TradeCashSelective, multi-currency invoice financing for eligible HSBC Australia customers.7.7

See all Kema alternatives →

Featured on iTechGuides

Kema is listed in our Invoice Financing Software directory. Add the badge to your site — it links back to this page.

<a href="https://www.itechguides.com/products/kema/"><img src="https://www.itechguides.com/best/badge/kema.svg" alt="Featured on iTechGuides" width="230" height="46"></a>

Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. It never changes a score or a verdict. How we rank.

Last updated 29 Sep 2026 · How we research and update