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
Sell on a platform? You are already halfway there.
Your platform already holds your sales record. That means a shorter form and a faster answer.
Sends us a merchant
Talabat · Careem · Toters
Applies in 3 minutes
Already pre-filled
Reads the revenue
Data we can verify
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 a platform. Skip the paperwork.
Your sales data tells us more than any document can.
Far less paperwork
Connect an account and skip most uploads. No chasing statements.
We see the real business
Your sales history shows what a balance sheet cannot.
It can improve your offer
Stronger verified data can support a larger amount or better terms.
A faster decision
Verified data moves straight to assessment. No manual checking.
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. You choose what to connect. You can disconnect anytime.
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 with collateral and audited books. | Growing Iraqi SMEs that need working capital. | High-growth companies selling ownership. |
| Speed | Slow. Branch visits and paperwork. | 48-hour preliminary decision, subject to review. | Slowest. Meetings, diligence, negotiation. |
| Collateral | Usually required. | Built around your data, not your assets. | None. But you sell part of the company. |
| Ownership | You keep it. | You keep it. | You give some away. |
| Repayment | Fixed, even in a bad month. | Structured around your cycle. | None scheduled. Investors expect an exit. |
| Use of funds | Often restricted. | Inventory, suppliers, invoices, trade, growth. | Team, product, market expansion. |
| Fit for Iraqi SMEs | Hard without collateral or formal records. | Built for it. Reviewed by a local credit team. | Better for scalable startups. |
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.