SME credit files, decision-ready
in minutes.
Forward the file exactly as it arrives — scanned, photographed, Arabic or English. Zyada returns the spread, the checks and the rationale your credit committee expects.
- Live in 2 weeks
- Overlay, not replacement
- Arabic & English
Average time
4m 38s
from application to decision-ready analysis
Live pipeline
184/190 ready for review
Anonymised sample data. Borrower references and figures are illustrative.
Credit decision overview
Last 30 daysApplications
1,248
18% vs last 30 days
Avg. decision time
2.4 hrs
65%
78%
Approval rate
Decision distribution
Top Decision Drivers
Built for regulated SME lending in Saudi Arabia.
70%
Faster turnaround
SAR 1B+
SME financing enabled
2 weeks
From first call to live
AR / EN
Bilingual platform
Send us the credit file —
in whatever shape it arrives.
Scanned CRs, bank statements, spreadsheets and photographed invoices — Arabic or English, structured or not. Zyada reads them and returns sourced, decision-ready analysis to your existing LOS or the Zyada portal.
What arrives
One borrower, one week. Five files, no two the same shape.
What comes back
Every figure traced to the page it was read from.
Credit limit
SAR 750,000
Risk grade
Low risk
Confidence
92%
Extracted fields
- Revenue, TTMميزان-المراجعة
- SAR 18.4M
- Avg. monthly inflowكشف-الحساب
- SAR 1.52M
- CR expiryالسجل-التجاري
- 1447-04-12
- VAT filings on timeالإقرار-الضريبي
- 8 / 8
- Current ratioميزان-المراجعة
- 1.34
No migration. No forklift upgrade. Zyada works beside your current stack — your LOS, core banking and approval matrix stay exactly where they are.
Any lending document. Any format.
Structured output, every time.
Handwritten, typed, scanned or photographed. PDFs, Word documents, images, spreadsheets and statements, in Arabic or English. Zyada reads them all and returns clean, auditable data your credit analysts can actually use.
SME financing application
Business name
SME-2203 · Cold chain
CR number
1010 482 913
Requested amount
SAR 480,000
Tenor
24 months
Purpose
Working capital
Authorized signature
Extracted fields
6 fields- legal_nameSME-2203 · Cold chainp.1
- cr_number1010482913p.1
- requested_amountSAR 480,000p.1
- tenor_months24p.1
- purposeWorking capitalp.1
- signaturepresentp.1
Every field linked to its source
A system for every step of underwriting.
One sourced output.
Each system handles a focused part of the credit file — extraction, verification, assessment. Together they turn raw SME files into sourced, review-ready credit analysis.
Extraction system
Pulls structured fields out of applications, statements, invoices, contracts and emails.
Extracted fields
- legal_name
- cr_number
- loan_amount
- period
- opening_balance
- deposits
Verification system
Cross-checks the commercial registration, national address, web presence and public records.
Credit system
Analyzes cash flow, debt burden, anomalies, collateral and your policy signals.
- Cash flow82
- Revenue quality88
- Debt burden71
- Returned cheques94
- Collateral76
- Web legitimacy64
Risk summary82/100
Reviewer note: stable POS deposits; debt burden needs context.
Trace — Generate clear reports, approval history, and decision rationale.
Designed around the credit team's real bottlenecks.
For Banks
Improve SME underwriting governance, standardize review logic, and support audit-ready decisions.
- Decision consistency
- Audit-ready workflows
- Governance visibility
For Finance Companies
Move faster without losing control as application volume grows.
- Shorter turnaround
- Reduced manual review
- Structured approvals
For SME Lenders
Scale lending operations with clear decision logic and less operational friction.
- Faster file review
- Clear risk drivers
- Scalable workflows
Bring credit decisioning into your own stack.
Integrate Zyada Credit directly into your origination system with our REST API. Submit documents, track the assessment, and read the decision, risk grade, and rationale programmatically.
- REST API — Predictable JSON over HTTPS, with documented request and response shapes.
- Token authentication — Authenticate every call with a bearer token issued to your institution.
- Document intake — Submit bank statements, financials, and KYC documents in a single request.
- Decision payloads — Read the recommended decision, risk grade, credit limit, and rationale.
// Request
curl -X POST https://api.zyada.sa/v1/assessments \ -H "Authorization: Bearer $ZYADA_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "reference": "SME-2203", "facility": { "amount": 480000, "tenor_months": 24 }, "documents": ["doc_9f21", "doc_9f22"] }'// Response
200 OK{ "id": "asmt_7c41", "status": "completed", "result": { "score": 82, "grade": "A", "recommendation": "approve_with_conditions", "review_flags": ["address_mismatch"] }, "sources": 9}Extraction, scoring and rating run on upload — poll until status is completed.
2-Week Pilot.
From first conversation to fully onboarded in two weeks. Real workflows, real decisions, real results.
Days 1 – 3
Understanding client requirements and a full platform walkthrough.
Days 4 – 8
Hands-on training for the credit and business team on the platform.
Days 9 – 14
Client starts using the platform independently + deal closing & onboarding completion.
Start a Pilot
with Zyada Credit.
Tell us about your SME lending workflow, and our team will contact you to explore how Zyada Credit can support your credit decision process.
- Abdulrahman@zyada-credit.com
- +966564878357
- Riyadh, Saudi Arabia
Ready to see it
on your own files?
Run a two-week pilot on real applications with your credit team, and see the decisions, rationale, and audit trail for yourself.