Loan Origination
Originate MSME loans end to end. No RM. No branch. Minutes, not weeks.
A fully digital origination journey for MSME lending, with no relationship manager for standard cases, and a cost-optimized eligibility pipeline that runs the cheapest checks first and the most expensive last.
Application #5102
Retail SME · SAR 250k
MSME origination is built for corporate deals, not volume.
Branch visits, RM back-and-forth, and manual document collection make every MSME application slow and costly. Abwab originates at a unit cost that manual processes cannot reach.
Corporate-style origination
- Branch visits and RM back-and-forth on every deal
- Manual document collection and re-keying
- Expensive checks on every applicant
- Works only at corporate ticket sizes
- Inconsistent across branches
Abwab Loan Origination
- Fully digital, no-RM journey
- Documents captured automatically
- Cheapest checks first, costly ones last
- Unit cost low enough for the SME mandate
- Standardized and auditable everywhere
Cost-optimized eligibility
Spend the least to disqualify the most.
A configurable, multi-gate pipeline orders checks by cost and filtering power: cheap internal and registry checks first, mid-tier APIs only for survivors, and the most expensive (SIMAH) last, on a narrowed pool. You pay for expensive data only on the applications worth it.
- Cheapest, highest-filtering checks run first
- Wathiq, open banking, Qawaem only for survivors
- SIMAH last, on a narrowed pool, fully configurable per bank
Eligibility pipeline
cost-optimizedCheapest checks first. The most expensive (SIMAH) runs last, only on survivors. Configurable per bank.
Channels & intake
Every application, fully digital.
Web and mobile intake with RM and branch assist when needed, plus partner and embedded APIs feeding applications from marketplaces, ERPs, and PSPs.
- No RM for standard cases
- Configurable KYC, AML, and de-duplication
- Documents captured and structured automatically
Application channels
Every channel feeds the same digital journey.
Workflow & handover
One workbench, every team.
Configurable steps from lead to disbursement, with role-based queues, SLA tracking, and a full audit trail, then a clean handover to Credit Decisioning.
- Role-based queues for credit, ops, and compliance
- SLA tracking on every action
- API handover to decisioning, then Tuum for disbursement
Workbench
Role-based queues, SLA tracking, full audit trail.
Integrations
Connected to the data sources Saudi lenders run on.
One integration to the bureaus, registries, open banking, and government sources your eligibility pipeline draws on, orchestrated in cost order so you pull expensive data only when it is worth it.
Capabilities
Built for volume, configurable for your institution.
No-RM journey, RM assist always available
A fully digital journey for standard cases, with relationship manager assist on hand for the deals that need it.
Cost-optimized eligibility pipeline
A multi-gate pipeline orders checks by cost and filtering power, running the cheapest first and the most expensive, such as bureau, last.
Configurable workflow and queues
Lead, application, review, approval, and disbursement, with role-based queues for credit, operations, and compliance.
SLA tracking and full audit trail
Every action is tracked against SLAs and logged for a complete, auditable origination record.
How it works
Application in. Decision-ready file out.
Digital intake
Web and mobile application with RM and branch assist mode when needed. Partner and embedded APIs feed applications from marketplaces, ERPs, and PSPs.
KYC and onboarding
Configurable KYC and AML (ID verification, registry checks, sanctions and PEP), entity creation, and de-duplication.
Document and data capture
Commercial registration, financial statements, and collateral documents captured and structured automatically.
Eligibility and handover
A cost-optimized, multi-gate eligibility pipeline narrows the pool, then a clean, decision-ready file passes to Credit Decisioning.
Outcomes
Instant
Decision-ready files, not weeks
80%+
Straight-through processing for standard cases
Lower
Cost to originate per MSME application
Part of the Abwab platform
Frequently asked questions
No. The journey is fully digital with no RM needed for standard cases. RM and branch assist mode is always available for deals that require it.