Frequently Asked Questions
Medikia Finance is built for healthcare
businesses — pharmacies, hospitals,
clinics, and labs — to help them manage
payments, payroll, and financing in one
platform.
Our AI analyzes your business inflows,
POS transactions, and payroll activity
to calculate a credit score. The higher
your score, the more financing you can
access instantly.
No collateral is required. Your credit
limit is determined automatically
through our AI-powered scoring model
based on your transaction and repayment
history.
No setup or maintenance fees. We only
charge small transaction and
service-based fees such as 0.2–0.5% on
POS payments and 3–8% interest on credit
or invoice financing.
Visit Medikia.com or download the
Medikia app, complete KYB verification
with your CAC and TIN documents, and
your virtual account will be created
instantly.