Intermittent market presence
Founder visits typically lasted one to two months, limiting continuity and immediate client response.
KATE INTERIORS - FZCO · Dubai, UAE
Growth Financing Information Room
An existing UAE design and interiors business, established and developed through founder funding generated from longstanding design and construction work in Serbia and across Europe, now extending its capabilities into KATE AR.
AED 250,000requested growth facility
Prepared for lender discussion · September 2026 · Forward-looking figures are management scenarios, not guarantees. Financing terms remain subject to lender underwriting.
FOUNDER-FUNDED MARKET ENTRY
Built before borrowing. Financing is requested to accelerate commercialisation.
Management states that the founders financed Kate Interiors' UAE market entry and the initial development of KATE AR from profits generated through established design and construction activities in Serbia and across Europe.
Evidence boundaryThis wider founder track record is not counted as Kate Interiors' UAE turnover, Wio receipts or historical DSCR support.
Facility purposeAccelerate product engineering, paid pilots and recurring UAE revenue — not present the facility as refinancing accumulated losses.
CORE BUSINESS REACTIVATION
From intermittent visits to a permanent Dubai operating base.
The financial case reflects a real change in the operating model — not an assumption that the core business remains static.
Dubai office opened
The company invested in a local operating base and prepared for a more continuous commercial presence.
Temporary return to Serbia
Regional conflict interrupted the planned continuous presence and reduced the cadence of local activity.
Permanent family and operating base in Dubai
Management has decided to live and operate in Dubai permanently, enabling continuous client availability, meetings and site response.
What this changes:year-round sales follow-up, faster site response, stronger referrals and the ability to restart local marketing. The core revenue path is therefore modelled conservatively at AED 200k / 300k / 420k.
Management-provided operating history. Forecast uplift is a planning scenario, not a guarantee.
TWO LINKED REVENUE ENGINES
Near-term services. Recurring global platform revenue.
KATE AR commercialises the same technology through two complementary channels.
01 · MANAGED AR SERVICES
Turnkey AR delivery for clients
KATE AR designs, builds and operates AR menus, furniture and product experiences, 3D assets, publishing, testing and ongoing support. Revenue comes from project fees, asset production, setup and maintenance.
02 · KATE AR CLOUD PLATFORM
Self-service infrastructure for global professionals
Architects, designers, manufacturers, retailers and agencies upload and manage their own 3D libraries, publish branded AR experiences and present products to their clients through links and QR codes. Revenue comes from setup, subscriptions, usage and additional services.
Managed services generate near-term project revenue and create the customer base, while KATE AR Cloud converts suitable clients into recurring subscription revenue and enables international scale.
What does the one-time setup fee cover?Client onboarding, account and asset-library configuration, branding, initial model integration, publishing workflow, device testing, analytics configuration and user training. New 3D asset creation and advanced custom integrations are priced separately.
BANK-FACING MATERIALS
Everything the credit team needs to understand the request.
Documents are intentionally concise, consistent and separated from sensitive KYC materials. Open them in-browser or save them for internal credit review.
Official lender documents: English. Arabic is provided for portal navigation and summary content only.
01 · Executive pitch
Growth Financing Pitch
The core credit story: existing company, growth logic, product path, historical receipts, use of funds and management projections.
02 · Formal request
Financing Request Letter
Formal request for an AED 250,000 growth facility, including purpose, borrower and proposed allocation of capital.
03 · Underwriting detail
Business Plan & Lender Memorandum
Business model, KATE AR commercialisation plan, market position, use of funds, 36-month case and lender-fit narrative.
04 · Risk discipline
Risk, SWOT & Mitigation
A transparent view of project-income volatility, product-stage risk, technical variability and the controls used to manage them.
VIDEO PRESENTATION
KATE Interiors × KATE AR — Growth Financing Presentation
LIVE PRODUCT VALIDATION
Do not just describe the technology. Open it.
These links are separate from the lender documents and are intended to demonstrate KATE AR in a practical customer journey.
KATE AR
Explore the commercial offer, use cases and product direction behind the growth initiative.
Matcha Vibes · AR Menu Pilot
Hospitality use case: a customer-facing AR menu experience designed around a real Dubai client concept.
Matcha Vibes · Pilot Video
A short visual explanation of the AR customer journey and the value proposition for hospitality operators.
Furniture · Chair Demo
Furniture/interiors use case: product placement and scale in the customer's real environment through a mobile device.
FINANCIAL OVERVIEW
A modest facility, deployed against defined milestones.
36-month management case
Year 1 revenueAED 420k
Year 1 EBITDAAED 124k
Illustrative DSCR2.23x
Year 2 revenueAED 730k
Year 3 revenueAED 1.18m
Illustrative planning case. Debt-service assumptions are not a lender quote and final terms may differ.
Proposed use of AED 250,000
Platform engineering & product build70k
Commercial pilots, marketing & sales45k
Cloud / GPU / hosting / testing40k
3D / AR pipeline, software & devices35k
Core working capital35k
Compliance / legal / accounting / insurance15k
Contingency10k
DUE DILIGENCE
Sensitive corporate and KYC material stays restricted.
To avoid exposing personal and corporate records on a public URL, the following are intentionally not published on this page. They can be provided directly to the bank through its secure channel or a protected data room.
- Current trade licence
- Incorporation / registration documents
- Shareholder / UBO records
- Passports and Emirates IDs
- Bank statements
- Management accounts / financial statements
- Client contracts and invoices
- Payment evidence
- Tax / VAT records if applicable
- Additional KYC requested by lender
MANAGEMENT
Existing operating company. Adjacent growth initiative.
KATE INTERIORS - FZCO
Irena Pjevović
General Manager · Director · Shareholder
KATE INTERIORS - FZCO
Saša Pjevović
Shareholder · Secretary · Business development