Turn Approved Claims into Cash Today.
Finance your approved insurance claims and get funded fast. Turn 45–90 days of receivables into same-day liquidity.
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Unlocking health,
funding care.
Instant, Shariah-compliant liquidity for Saudi clinics, financed against your approved insurance claims and your supply chain. No waiting. No cash-flow gaps.
About Claimoniz
What is Claimoniz?
Claimoniz is Saudi Arabia's first digital healthcare financing platform. We give clinics instant liquidity by financing their approved insurance claims and consumable purchases.
We use Shariah-compliant, fee-based structures so you can focus on patients, not paperwork.
Simple process
How Claimoniz Works
Get funded in three simple steps, fully digital.
1
Submit Claims
Upload your approved insurance claims or purchase orders. We verify them instantly.
2
Get Approved
Our smart engine checks and scores your request. Approval in minutes, not days.
3
Receive Funds
Money reaches your account fast, typically within 24 hours. Fully digital and automated.
Our products
Two Ways to Fund Your Clinic
Supply-Chain Financing for Clinics.
We pay your suppliers for consumables now; you repay smoothly from your collections. A Shariah-compliant Wakala investment.
Register interest →
Why Claimoniz
Built for Saudi Clinics
Instant Liquidity
Get your money in ~24 hours, not 45–90 days.
Grow Your Clinic
Invest in staff, equipment and expansion.
Risk-Controlled
We finance verified, approved requests only.
Automated Verification
Faster verification with automated checks.
24/7 Support
A dedicated team in Arabic and English.
Transparent Fees
Clear, upfront pricing. No hidden fees.
Common questions
What clinics ask before they sign.
What is Claimoniz?
Claimoniz is Saudi Arabia's first digital healthcare financing platform. We partner with private clinics to provide instant liquidity by financing their approved insurance claims, eliminating the traditional 45–90 days wait for insurer payouts so clinics can focus on patient care.
Who is Claimoniz for?
Our customers are private clinics and healthcare providers in Saudi Arabia who want faster cash flow from their approved insurance claims. Claimoniz does not provide medical services or financing to individual patients should contact their clinic or insurer directly.
Is Claimoniz licensed and regulated?
Yes. Claimoniz operates as a Shariah-compliant healthcare claim financing platform under the oversight of the Saudi Central Bank (SAMA) Regulatory Sandbox (registration no. 45069369).
Is Claimoniz Shariah-compliant?
Yes. Our financing uses Islamic finance structures primarily the Wakala (investment agency) model under the supervision of a dedicated Shariah committee. Our returns are fee-based (Ujrah and anticipated profit), never interest-based lending.
How does claims financing work?
Four simple steps: (1) Register and complete onboarding KYC and clinic verification. (2) Submit your approved insurance claims manually or via API; our platform validates them with AI-assisted checks. (3) Receive financing quickly into your verified bank account after approval. (4) When the insurer pays, funds are split automatically through the escrow arrangement per your agreement.
How fast will my clinic receive funds?
Eligible, validated claims can be funded in as little as 24 hours after approval instead of waiting 45–90 days for the insurer to pay.
How much of my claim value can be financed?
Clinics can receive financing of up to 60% of eligible validated claims. The exact percentage depends on your agreement and the outcome of our validation and risk assessment.
What does the financing cost?
Our pricing is transparent and fee-based, in line with our Shariah-compliant Wakala structure. All fees (including VAT) are disclosed in your financing agreement before you sign there are no hidden charges and no interest.
Ready to Transform Your Clinic?
✓ Free setup
✓ Approval in minutes