Banks
Scale your SME book to hit SAMA's 20% mandate. Without scaling your team.
Abwab gives Tier 1-2 banks the credit intelligence infrastructure to underwrite thousands of SMEs at a fraction of the cost.
SME exposure
SAMA 2030 mandate: 20%
The gap is infrastructure, not appetite.
The economics
From thousands per case to under SAR 1,000.
Manual underwriting costs thousands per financed SME, so micro-loans never break even. Abwab's cost-optimized assessment cuts cost per financed SME by over 90%, to under SAR 1,000.
- Cheapest checks first, bureau pulls last
- Over 90% lower cost per financed SME
- Under SAR 1,000 per case makes micro-loans viable
Cost per financed SME
90%+ lower
Cheapest checks first makes micro-loans viable.
Scale
Volume scales. Headcount doesn't.
Automate origination, decisioning, and monitoring so you grow loan volume without growing the credit team. Your officers focus on the high-value decisions.
- Instant decisioning, not 4-12 weeks
- Thousands of SMEs on the same team
- Underwrite thin-file SMEs from cashflow
Volume scales. Headcount doesn't.
Grow the book without growing the team.
Enterprise readiness
Ready for SAMA scrutiny, deployed in-Kingdom.
On-premise deployment, SAMA-aligned validation reports, explainable AI, and a full audit trail on every decision.
- On-premise: data stays in-Kingdom
- SAMA Cybersecurity Framework, PDPL, Sharia
- Human-verified AI with full audit trail
Compliance coverage
Tracked with automated coverage scoring.
The mandate and the opportunity
The gap is not appetite. The gap is infrastructure.
Saudi SME lending grew 3.8x in six years (SAR 117B in 2019 to SAR 447B in Q3 2025). SAMA mandates 20% SME exposure by 2030. Most Tier 1 banks sit at 9-12%.
The mandate is also a margin opportunity
Corporate yields 50-100 bps. MSME yields 15-18%. But manual underwriting costs thousands per funded SME, and at that unit cost, micro loans never break even.
Volume scales. Headcount doesn't.
Abwab automates origination, decisioning, and monitoring so you can grow loan volume without growing your credit team. Your officers focus on the high-value decisions.
What Abwab does for banks
From mandate pressure to production, on your own framework.
Cut cost per case by 90%
Credit Decisioning automates the assessment that makes manual underwriting prohibitively expensive per case.
Instant decisioning
Replace the 4-12 week decision cycle with real-time analysis and instant decisions.
Underwrite thin-file SMEs
Agentic Credit Intelligence reads cashflow to reveal the real business health of SMEs with no audited financials.
Models that don't go stale
Credit Decisioning builds and maintains AI credit models from your loanbook, replacing rule-based scorecards.
Data stays in-Kingdom
On-premise deployment satisfies data sovereignty requirements with all processing in Saudi Arabia.
Ready for SAMA scrutiny
Explainable AI, SAMA-aligned validation reports, and a full audit trail on every decision.
“Abwab's credit engine enhanced our credit workflows. Their intelligent decisioning infrastructure enables faster, smarter financing across our ecosystem.”
Saudi Bank
Abwab customer
Proof points
SAR 1B+
In loans processed
90%
Lower cost in underwriting operations
13+
Financial institutions onboarded
On-Prem
Deployment live, SAMA/PDPL compliant
Products for banks
Credit Decisioning
Automate SME credit decisions across the portfolio, on your own framework.
Learn moreAgentic Credit Intelligence
Grow the book and catch risk early with a 24/7 virtual RM. It recommends, you approve.
Learn moreLoan Origination
Fully digital MSME origination, no RM, with built-in eligibility screening.
Learn moreFrequently asked questions
Abwab automates the credit lifecycle so banks can underwrite thousands of SMEs without proportionally scaling headcount. Loan Origination intakes and screens digitally, Credit Decisioning produces instant decisions on your framework, and Agentic Credit Intelligence grows healthy accounts and flags risk early.