Alternate credit engine
for SMEs.
Agentic AI underwriting and continuous portfolio monitoring for the $250B SME financing market across the GCC and emerging markets.
Underwriting is broken.
Eight weeks per file.
A $250B gap on a 1990s process.
We don't digitize documents. We digitize judgment.
From messy data to
credit intelligence.
One platform that consolidates, verifies, and interprets the fragmented financial reality of every SME borrower.
Intelligence.
Integration layer.
Credit decisioning.
Financial spreading.
Cashflow intelligence.
Portfolio monitoring.
Origination intelligence.
Open Banking, bureau APIs, registries, ERP/POS/e-commerce connectors. Everything flows in here.
Alternate-data scoring for thin-file SMEs. Sector-adjusted PD models, sustainability extensions.
Statements normalized into a standard chart of accounts. Ratio analytics, peer benchmarks.
Live transaction categorization, working-capital cycle detection, revenue volatility scoring.
NPA + DPD, covenant tracking, behavior-shift and sector-shift alerts. Continuous, not quarterly.
Lookalike borrower discovery, sector-shift sourcing, pipeline scoring.
One platform. The entire lending stack.
A full Banking-as-a-Service platform for SME credit — AI underwriting and decisioning, loan origination, loan management, ledger, and syndicated & crowdfunded capital — delivered as one operating system, surfaced through three role-based portals.
Lending Management OS
Origination, AI decisioning, servicing, collections and ledger — a single pane of glass over the entire credit lifecycle.
- Origination — apply · KYC · auto-parse
- AI decisioning — agentic underwriting
- Loan management — NPA · DPD, 20+ types, auto EMI
- Ledger & audit — collateral, write-offs, full trail
Syndicate & crowdfunding
For co-lenders, family offices and fund managers. Browse deals, commit capital, syndicate loans, and track yield + DPD live.
- Marketplace — browse & commit capital
- Syndication — co-lend on any deal
- Portfolio — yield · health · DPD
- Statements — distributions · audit trail
Apply in minutes
SMEs apply with a smart-filled application and auto-parsing, get pre-scored decisions in 48 hours, track disbursement live.
- Easy apply — smart-filled forms
- Fast decision — 48 hours
- Track — real-time updates
- Secure — bank-grade
One engine. Every credit product.
Revenue-Based Financing
Repayments scale with the business. Built for e-commerce and digital-first operators. Inventory-collateralized.
Up to $60KE-commerce Financing
Sales-feed underwritten facilities for marketplace sellers across noon, Amazon, talabat, Careem, Jahez.
Sales-feedInvoice Discounting
Receivables to cash, underwritten by live transaction signals on CX Flow.
ReceivablesEquipment Financing
Asset-secured facilities on the agentic underwriting stack. Auto registration + lien tracking.
Asset-securedSustainability Program
For eco-friendly and women-in-business SMEs that traditional underwriting overlooks.
Up to $100KWorking Capital term loans
Standard SME term lending, agentically underwritten. Flexible tenors, auto EMI, audit trail.
TermTrade & supply-chain finance
LCs, supplier discounting, supply-chain receivables, underwritten in real time.
TradeEarly Wages + RNPL
Rent-now-pay-later for the business; early wage access for staff.
EmbeddedBuilt for every institution that lends to an SME.
Commercial banks
Grow SME books without analyst cost-per-file.
Ref · RAKBANKIslamic banks
Configurable for Murabaha, Ijara, Tawarruq, profit-sharing.
Neobanks
Lending modules on top of an existing core.
Ref · Tonik · BRSNBFCs
Licensed to lend; we are their entire stack.
VC + debt funds
Debt sleeves alongside equity. Syndicate portal + Pulse.
Government SME funds
ESG, women, sector mandates.
Ref · QDB · NBODevelopment banks
Qatar 2030, UAE Vision, Oman 2040.
QDB · WSQ 2025Credit unions
Hosted SaaS at credit-union economics.
Crowdlending
Named third-party platform on licenses.
Ref · Provizia · AnthillBNPL providers
Merchant underwriting plugs in directly.
Marketplaces + ERPs
Embed SME credit via CX Nexus — without becoming a lender.
Specialty financiers
Healthcare receivables, RBF, asset-backed.
Ref · Klaim · FlapKapNot a pilot story. An institutional one.
Four reasons the stack compounds.
Regulated-data foundation
Built for regulated data from day one. Co-founder owns data privacy, GDPR, residency, cybersecurity. Not bolted on.
Three jurisdictions live
Operating entities in the UAE, Qatar Financial Centre, Oman. UAE/UK/US licensed.
Agentic AI, not OCR
The engine reasons over inputs, runs verification loops, produces explainable decisions with audit trails.
Lending-as-a-Service
White-labeled deployment lets a bank or fund stand up an SME book in 90 days.
Built by operators.
See the engine in motion.
Let's talk credit.
We're onboarding institutions ready to deploy SME credit on AI-native infrastructure — without building the stack themselves.