Do We Need A SAMA Licence To Start?
You need a licence to lend and to call production AIS. You do not need one to mark a dummy pack. That is this offer.
SKU-CF-00 · KSA / UAE
SME Credit Pack Discovery
SAR 40,000–80,000 fixed. 50% on signature to start. Remainder on delivery. 4–6 weeks. Requirements validation, not a production bureau. Zoom this week. Onsite in Riyadh or Dubai by arrangement.
Engagement
For the SME credit head, transaction-banking SME desk, or digital-bank underwriting lead at a licensed finance company or mid-tier bank. Dummy data only.
You do not need a licence to specify the file. You need a licensed principal to run it live. Four to six weeks. Twenty synthetic SMEs through your credit template. SAR 40,000–80,000 fixed.
Scope
What You Buy
A credit officer can mark, on paper, which fields they would use.
We process a closed set of synthetic SMEs: ZATCA-shaped invoice history, open-banking-shaped transactions (Lean sandbox as if SAMA AIS), CR / VAT stubs.
Wave 24 (VAT revenue above SAR 375,000) is already in force. Wave 25 (SAR 187,500, 1 February 2027) expands the file population. The file exists. Most mid-tier SME desks still underwrite from statements and a visit.
No money moves. No consumer is onboarded. No production bank API is called.
What You Get
Deliverables
- Credit Pack v0 — PDF + JSON — on 20 synthetic SMEs
- Field-to-policy map against your existing SME paper
- Data model: Entity, InvoiceEvent, BankTxn, MonthlyCashflow, Concentration, Flags
- Bank-facing API stub: POST /entities/{id}/packs
- Security and residency one-pager — deploy in your VPC, we see nothing live
- v1 backlog from the objections your officers mark
- Executive readout
Not Included
Out Of Scope
- Lending, broking, or arranging credit
- A SAMA or CBUAE licence application
- Calling production open-banking APIs as a TPP
- Pulling SIMAH, Qarar, or GOSI
- Issuing ZATCA invoices or holding a taxpayer CSID
- A scoring model, Shariah contract pack, or WPS tool
- Onboarding SMEs as our customers
Timeline
How The Weeks Run
01
Week 1
Your SME paper application and exception list under NDA. Confirm the 20 synthetic profiles.
02
Week 2–3
Invoice ingest + txn ingest on dummy data. First packs.
03
Week 4
Officers mark the packs. Field-to-policy map.
04
Week 5–6
Security / residency note. v1 backlog. Readout with the credit head.
Prerequisites
What We Need From You
- A named credit-policy owner, not only the innovation lab
- The current SME application and the exception list — under NDA
- Whether a Shariah contract type is already board-approved (we will not invent one)
- The decision-maker in the kick-off and the readout
Next
After This Engagement
- A later module is optional and only after this engagement is paid: parsers in your VPC, priced indicatively SAR 8,000–15,000 / month per 100 SMEs processed.
- Still no lending. Still no TPP. The bank is principal.
Counsel-Forwardable
Fence
- We parse files and produce a pack. We do not take deposits, originate credit, issue invoices, call production bank APIs as a TPP, pull a bureau, or onboard a consumer.
- Live AIS, later, runs under your licence or a licensed TPP you already contract.
Related Packs
Sequence
This engagement is for a licensed SME credit desk. Payments architecture is a separate conversation.
Questions
FAQ
Will You Pull SIMAH?
No. Not in this engagement.
Can We Use Live SME Files?
Not in this engagement. Dummy / synthetic only.
Is This The Same As Your Aani / RTR Work?
No. This is for a licensed SME credit desk. Payments architecture is a separate conversation.
Next Step
Check Fit
Name the licensed institution and whether the SME desk will mark the packs.
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