Compliance data in.Bankable credit out.
We turn national regulatory rails (e-invoicing, open banking and digital identity) into verified, explainable credit for SMEs and the banks that fund them.
2
national data rails reconciled: tax and bank
< 15s
to match cleared invoices with bank inflows
4
explainable scoring pillars a credit officer can audit
How it works
From a cleared invoice to a credit decision
E-invoice issued
The SME issues a Phase 2 e-invoice in UBL 2.1 with its QR code and cryptographic stamp.
Cleared by ZATCA
We verify the stamp and the hash chain, so the invoice is tamper-evident proof of a sale.
Matched to the bank
Each invoice is matched to its actual inflow through SAMA Open Banking, with consent.
Scored and funded
An explainable grade lands with the bank, which can fund the verified receivable.
Live product
The bank sees proof, not paperwork
Our first solution, SanadIQ+, is running in Saudi Arabia on ZATCA and SAMA sandboxes. Open the bank’s Capital Engine console and score a real demo applicant.
- Billed vs collected revenue, invoice by invoice
- Red flags for sham invoicing and buyer concentration
- A recommended facility with its reasons
Al-Madinah Logistics Co.
Standard BRecommended facility
SAR 398K
ZATCA × SAMA
77 / 77 matched
Live demo data · sandbox environment
Our regions
Local brands. One group standard.
Saudi Arabia
المملكة العربية السعودية
Built on ZATCA Phase 2 e-invoicing, SAMA Open Banking, Nafath identity and SDAIA PDPL consent.
United Kingdom
London
Our London team leads partnerships, investor relations and bank relationships. A UK solution is in development.
- Partnerships & investor relations
- Bank and lender relationships
- UK solution in development
Our approach
What every ComplyWise solution shares
Regulatory rails, not paperwork
We build on national infrastructure (tax clearance, open banking and digital identity) so every data point is verified at source.
Explainable credit decisions
Deterministic scoring that banks, auditors and regulators can trace line by line.
Local brand, local data
Each region runs its own brand and its own deployment, so customer data stays in-market.
Building in a new market, or funding SMEs?
Talk to us about partnerships, bank integrations and investment.
London, England, United Kingdom