SME lending
Where every application gets a full read, and your credit team spends its time on the decision.
Application to cleared file
One borrower, from the application to a cleared file. 4 workflows, then compliance.
Halvane Foodstuff Trading L.L.C.
4 workflows, then complianceDue diligence
Compliance reads the cleared file and decides. No borrower goes to underwriting without that signature.
- Reads
- The cleared file, every document cited
- Decides
- Approve, revise or stop
- Signs
ComplianceAwaiting signature
Each stage is built to your credit policy and proven on your past files before it goes live.
See this stageWhat changes for an SME lender
Every application read in full
Documents, accounts and bank statements read and checked, however many arrive.
Decisions with their reasons
Your scorecard run on confirmed figures, every driver shown.
Repayments watched
Every schedule matched to the bank, every late payment chased to your policy.
The work it runs
Where SME lending stalls: a borrower’s missing management accounts. Deal acceleration sees it, names who owes the move and drafts it, one press away.
Application and KYB
The application opened, documents chased and the business and its owners screened.
Spreading the accounts
Statements and bank data read into your template, every figure cited.
Scoring and the memo
Your scorecard run and the memo drafted for the decision.
Repayments and collections
Repayments matched, late accounts chased, every breach to the credit officer.
How we work with lenders
Your credit policy, written down
We sit with your credit team and write down how it decides. The system follows those rules from the first day.
Proven on your past files
It runs on files you have already decided, and goes live only when it matches your committee.
A person signs every decision
Compliance, the committee, your signatories and the credit officer sign every step that needs them.
A team on your floor
We build it with your people in Dubai, Abu Dhabi and Doha, then run it and extend it with them.