Lend More. Risk Less.
Grow Your MSME Book.
Manage the Risk.
We help banks, NBFIs, fintechs, funds, and platforms originate, decide, and grow their MSME book with AI across the full lending lifecycle. Plugs into your stack. No core replacement. Built in Saudi Arabia for MENA.
Explore productsCredit assessment · #4821
Najd Trading Est.
Risk score
742
- Bank statements verified
- VAT returns matched
- SIMAH bureau pulled
Cashflow, last 12 months
Recommended limit
SAR 850,000
Trusted by financial institutions across Saudi Arabia
- SAR 1B+ in MSME loans processed
- 13+ financial institutions
- No core replacement
- API-first
Integrated with the Saudi credit and data ecosystem
The platform
One decisioning pipeline, from raw documents to a funded loan.
Intake
Digital application, no RM for standard cases
Parse & enrich
Statements, CR, SIMAH, Qawaem
Decision
Your rules plus AI models, in real time
Price & offer
Risk-based terms, full audit log
Monitor & grow
24/7 signals, next best action
Products
Four products. One platform.
Modular credit intelligence designed to make your lending faster and your decisions sharper. Originate, decide, and grow your MSME book across the full lending lifecycle.
Loan Origination
Fully digital MSME lending journeys, end to end. No RM needed for standard cases.
Learn moreApplication journey
Credit Decisioning
Real-time decisions and risk-based pricing from your rules plus AI models, on your existing framework.
Learn moreSignals in
742
Agentic Credit Intelligence
An always-on engine that targets new leads, grows healthy accounts, and flags risk early. It recommends, you approve.
Learn moreEmbedded Financing
Originate pre-qualified financing inside the platforms SMEs already use. One integration, many platforms.
Learn moreOne integration, many platforms
Why Abwab
Why lenders choose Abwab over the alternatives.
Cashflow tells the real story
Financial statements arrive late and unreliable. Cashflow Pulse reads real transaction behavior and flags what they hide. Purpose-built for SME credit, trained on Saudi SME data.
Volume scales. Headcount doesn't
Manual underwriting is expensive per case. Abwab cuts the cost by 90%, so you process thousands of SMEs with the same team.
Your rules. Our engine
Define your credit policies and Abwab enforces them on every application. No black box. Full audit trail on every decision.
MENA-native compliance
SAMA Cybersecurity Framework. PDPL-compliant. Sharia-validated. On-premise deployment for in-Kingdom data sovereignty.
Production-proven
SAR 1B+ processed across 13+ financial institutions. Live in production, not a pilot.
No core replacement
API-first integration. Plug into your LOS and core banking. Live in weeks, not quarters.
SAR 1B+
MSME loans processed
70%
Faster credit decisions
90%
Lower cost per case
40%
Fewer defaults
Trusted by 13+ financial institutions.
“Abwab's credit engine enhanced our credit workflows. Their intelligent decisioning infrastructure enables faster, smarter financing across our ecosystem.”
Shahad Hablain
VP of Business Development, SurePay
“Abwab.ai gave us instant, data-driven credit decisions with minimal integration effort, dramatically improving speed and borrower experience.”
Mohammed Damiri
Chief Product Officer, SalesFine
“Abwab removed friction from procurement and enabled faster financing across our ecosystem, helping drive real growth aligned with Vision 2030.”
Abid Butt
Co-Founder & CGO, Watad
Solutions
Built for the institutions shaping the future of credit.
Banks
Scale your SME book to hit SAMA's 20% mandate, without scaling your team.
Learn moreNBFIs
Operate like a fintech without building technology from scratch.
Learn moreFintechs
Grow your loanbook without growing your NPLs.
Learn moreDevelopment Funds
Deploy AI credit intelligence to serve your national mandate.
Learn morePlatforms
Offer merchant financing through a network of lenders. No lending license required.
Learn moreBuilt in Saudi Arabia, for MENA
Built for the Kingdom's regulatory environment.
Human-verified AI with a full audit trail on every decision. Compliance is built in, not bolted on.
SAMA Cybersecurity Framework
Aligned across all four domains, ready for audit.
PDPL-compliant
Personal Data Protection Law for every borrower record.
Sharia-validated
Independently reviewed for Islamic financing structures.
In-Kingdom data residency
On-premise deployment keeps data behind your firewall.
Recognized across the ecosystem
AI First Accelerator
Keynote Speaker
Silicon Valley Summit
Portfolio Company
Exhibitor
See what your credit team is missing.
Request a demo. We'll show you Abwab on a real borrower.