Working capital to fuel the growth of Iraqi SMEs
Fast. Flexible. Built for Iraqi business.
- Apply in 10 minutes
- Approval in 48 hours
- Flexible repayment
- No equity dilution
See your number in under a minute
Choose the industry that best describes your business.
Enter your average monthly business revenue.
Select your preferred repayment period.
Were you nominated by one of our partners?
Select your industry and enter your average monthly revenue to see an indicative financing estimate in IQD.
This is an indicative estimate only. Final financing amount depends on business review, documents, revenue, repayment capacity, and approval.
Three ways money gets unstuck
Invoice Financing
Stuck in unpaid invoices.
Wholesalers, distributors, contractors, B2B services
Trade Financing
Needed before you can buy.
Wholesalers, retailers, importers, materials suppliers
Platforms nominate. SMEs get funded.
Nominates an SME
Talabat · Asia Pay · VISA
Applies in 10 minutes
Pre-filled, with consent
Reads the revenue
Data-driven assessment
48 hours
IQD, straight to work
Three ways to widen access
Capacity Building
Training, documentation and business readiness.
Co-Financing
Capital, matching finance, guarantees and blended finance.
Risk Mitigation
Guarantees, insurance and portfolio risk reduction.
Five steps to funded
Check eligibility
Industry, revenue, need.
Apply online
Ten minutes, save anytime.
Connect or upload
Platform data or documents.
Get your proposal
Indicative terms where eligible.
Get funded
Accept, final checks, disbursed.
Connect the platforms you already use
Connect it once. The assessment does the rest.
Sales
Orders and demand
Payments
Settlement history
Accounting
Books and margins
Marketing
Growth activity
Documents
Upload anything else
Platform data sources may include the above. Every connection is consent-based, logged, and revocable.
If it is on this list, we finance it
Inventory
Supplier payments
Purchase orders
Receivables
Trade cycles
Equipment
Marketing
Cash-flow gaps
Find your business
Retail
Stock, suppliers, store upgrades.
Restaurants & Cafes
Kitchen, suppliers, new branches.
Wholesale & Distribution
Bulk stock, imports, orders.
E-commerce
Inventory, ads, delivery.
Pharmacies & Clinics
Medicines, equipment, expansion.
Construction Materials
Materials, projects, receivables.
Debt, C4G, or equity
| Feature | Traditional Debt | C4G | Equity |
|---|---|---|---|
| Best suited for | Businesses that can meet bank requirements and provide collateral or guarantees. | Growing Iraqi SMEs needing working capital for inventory, suppliers, invoices, trade cycles, and expansion. | High-growth companies raising capital in exchange for ownership. |
| Speed | Often slower and branch-heavy, depending on bank process and documentation. | Digital-first application with preliminary approval within 48 hours, subject to review. | Usually slower: investor meetings, due diligence, negotiation and closing. |
| Collateral / security | Often requires collateral, guarantees, or strong banking history. | Designed around business data, documents and repayment capacity; collateral requirements depend on policy. | No debt collateral, but requires selling ownership. |
| Ownership | No equity dilution. | No equity dilution. | Requires ownership dilution and may reduce founder control. |
| Repayment style | Fixed repayment expectations even when sales fluctuate. | Flexible structures can be aligned to product type, business cycle and approved repayment terms. | No scheduled repayments, but investors expect growth and eventual exit. |
| Use of funds | May include restrictions and approval conditions. | Purpose-driven: inventory, suppliers, invoices, trade, expansion and cash-flow gaps. | Typically growth, team, product and market expansion. |
| Fit for Iraqi SMEs | Can be difficult for SMEs without sufficient collateral or formal records. | Built for Iraqi SME realities, not adapted from somewhere else. | Better suited to scalable startups than standard SME working capital. |
Built for Iraqi business
Fast
48 hours.
Flexible
Built around your cycle.
Impact-Driven
Growth, jobs, supply chains.
Paperless
Data, not paperwork.
Local
Built for Iraq.