CXingularityالعربيةBook a demo ↗

The SME lending
tech stack.

Origination, credit intelligence and loan management in one platform, built for banks and lenders.

Book a demo ↗Explore the platform
SME business owner reviewing orders in a ceramics studio
$600M+
SME loans underwritten
15,000+
SMEs decisioned
16
Lenders live
<20 min
To a pre-scored decision
90 days
To a live lending book

Company-reported figures, cumulative over 24 months to 2026.

Trusted across the credit, capital and lending stack

  • RAKBANK
  • CIB
  • National Bank of Oman
  • Qatar Development Bank
  • Sohar International
  • HAL Group
  • Tonik
  • Provizia Capital
  • Anthill
  • Flender
  • Zero Dots
  • Klaim
  • Flurish
  • Cashew
  • Trellen
  • Aljabr
  • The Dubai Mall
EMBEDDED IN THE REAL ECONOMY

Connecting capital.
Unlocking possibility.

Banks bring the funding.
Businesses bring the ambition.
CXingularity connects the journey.

CXingularity

Business evidence. Connected.

Explore the film ↗
THE PLATFORM

Every stage.
One connected relationship.

Your credit policy. Your decisions.
The infrastructure to bring it together.

CX Originate

A considered start
to every relationship.

The borrower-facing journey: application capture, KYC and KYB, consent, and data-connector onboarding.

  • Application capture
  • KYC / KYB and consent
  • Data-connector onboarding
Explore the actual workflow ↗
Product interface · demo data
THE FILM

The SME lending tech stack,
in under two minutes.

From the first application to credit intelligence and servicing, told in one story.

THE CX ENGINE / SEVEN MODULES

From messy data
to credit intelligence.

One engine that consolidates, verifies and interprets the fragmented financial reality of every SME borrower. Your credit policy makes the decision.

M-01

CX Nexus

Integration layer

Open Banking, bureau APIs, registries, and ERP, POS and e-commerce connectors. Everything flows in here.

M-02

CX Score

Credit decisioning

Alternate-data scoring for thin-file SMEs. Sector-adjusted PD models and sustainability extensions.

M-03

CX Spread

Financial spreading

Statements normalised into a standard chart of accounts, with ratio analytics and peer benchmarks.

M-04

CX Flow

Cash-flow intelligence

Live transaction categorisation, working-capital cycle detection and revenue volatility scoring.

M-05

CX Pulse

Portfolio monitoring

NPA and DPD, covenant tracking, and behaviour-shift and sector-shift alerts. Continuous, not quarterly.

M-06

CX Radar

Origination intelligence

Lookalike borrower discovery, sector-shift sourcing and pipeline scoring.

M-07

CX Halal

Shariah compliance

Shariah-compliant decisioning: Riba detection, AAOIFI and IFSB screening, Murabaha validation. Bilingual English and Arabic.

Data sources

What comes in

Through CX Nexus

Audited financials, bank statements and Open Banking consent, trade licence, AECB, MOA, VAT, AML and Emirates ID, sales and inventory feeds, and sector signals.

NINE PRECONFIGURED LENDING PRODUCTS

One stack.
Nine ways to lend.

From everyday working capital to embedded finance.
Each model, shaped around your institution.

01  Business capital

Room to grow.

Flexible facilities for the business
behind the balance sheet.

  • Flexi Business LineA revolving working-capital facility.
  • Micro LoanSmall-ticket business financing.
  • Short Term Bridge LoanFunding across a short-term cash-flow gap.
  • Long Term Bridge LoanA longer bridge to a planned funding event.
02  Merchant & revenue

Built into business.

Financing connected to the way
merchants sell and get paid.

  • Ecommerce Revenue-Based FinancingMerchant financing with revenue-linked collections.
  • Revenue-Based FinancingCapital structured around business revenue.
  • POS based FinancingWorking capital linked to point-of-sale settlements.
03  Receivables & purchases

Value, set in motion.

Bring financing closer to the invoice
or the business purchase.

  • Invoice FinancingReceivables discounting against eligible invoices.
  • Post-Purchase InstallmentSpread a completed purchase into structured repayments.
YOUR CONFIGURATION, ACROSS EVERY MODELLimits & tenuresInterest & repaymentCharges & feesRisk & eligibility

Product structures and eligibility are configured with your institution. Funding and credit terms remain with the lender.

ISLAMIC FINANCE, NATIVE

Shariah-native.شريعة
Not bolted on.

Compliance is validated inside the underwriting engine, so conventional and Shariah lending run on the same rails.

01

Riba and prohibited-sector screening

Interest-bearing elements and prohibited sectors are flagged before the decision, not after.

02

AAOIFI and IFSB aligned

Decisioning maps to AAOIFI and IFSB standards, ready for review by your Shariah board.

03

Islamic structures

Validates Murabaha, Ijara, Musharaka and Wakala structures alongside conventional credit.

04

Bilingual by default

Arabic OCR, a right-to-left interface and English and Arabic decisioning, built for the region.

SECURITY AND GOVERNANCE

Institutional by design.
Not a pilot.

What a bank's risk, compliance and technology teams ask first.

Built for regulated data

Designed for regulated data from day one, with data privacy, GDPR, data residency and cybersecurity built in.

Operating entities in three jurisdictions

Entities in the UAE, the Qatar Financial Centre and Oman, headquartered in Dubai.

Explainable, auditable decisions

The engine reasons over its inputs, runs verification loops and records a full audit trail for every recommendation.

Built for every institution that lends to an SME

  • Commercial banks
  • Islamic banks
  • Neobanks
  • NBFCs
  • Private credit and debt funds
  • Government SME funds
  • Development banks
  • Credit unions
  • Regulated crowdlending
  • BNPL providers
  • Marketplaces and ERPs
  • Specialty financiers
OUR ORIGINS / UNITED ARAB EMIRATES

Proudly UAE-born.
Built to advance SME lending.

Regional understanding.
International operating footprint.

Sathya Maren, founder and CEO of CXingularity
Sathya MarenFounder & CEO · Dubai, UAE
THE FOUNDER’S STORY

A founder’s conviction.
A complete lending stack.

Founded by Sathya Maren and launched in January 2024, CXingularity brings a practitioner’s perspective to a critical challenge: giving banks the infrastructure to serve SMEs across the full lending lifecycle.

Our UAE origins are central to that ambition. From our headquarters in the Emirates, with operations in Qatar and Oman, we are building a technology company with regional understanding and international reach. Origination, underwriting and loan management form one connected stack, supporting lenders across the region.

Meet Sathya ↗
CXingularity founder presenting at an event in Oman
OMAN / INDUSTRY EVENTAdvancing the conversation on SME lending infrastructure.
CXingularity founder speaking at an event in Qatar
QATAR / INDUSTRY EVENTEngaging with the region’s financial technology ecosystem.
PLATFORM QUESTIONS

The platform.
In detail.

Who is CXingularity built for?+

Banks, lenders, financing platforms and businesses building embedded SME lending experiences.

Does the platform include loan management?+

Yes. The suite includes disbursements, repayment handling, a ledger, provisioning and portfolio reporting, alongside origination and underwriting.

Can we explore a specific use case?+

Yes. A walkthrough can focus on your workflow, including SME origination, cash-flow underwriting, receivables finance or ongoing servicing.

How do we get started?+

Request a platform demonstration with our team. We’ll review your lending model, the systems you use and the borrower experience you want to build.

How long does it take to go live?+

With the white-labelled Lending-as-a-Service deployment, a bank or fund can stand up an SME lending book in around 90 days.

Who makes the credit decision?+

Your institution does. The platform prepares the evidence, scores and recommendations; approval stays with your credit policy and committee.

CONTACT

Let's talk
SME credit.

We are onboarding institutions ready to deploy SME credit on AI-native infrastructure, without building the stack themselves.

Book 30 minutes with the founder

Request a 20-minute introduction

We reply within one business day.